What To Know About Car Insurance In The UK

When it comes to driving in the UK, there have been so many questions asked by prospective drivers but the most frequently asked question is this, ” Is it possible to legally drive in the UK without having a motor insurance? “. The answer to this question is a capital NO. Before you legally drive in the UK, you must make 100percent make sure you have your motor insurance in place. The only way you can drive without having a motor insurance is only when you drive in streets or roads that aren’t major ones or drive out without being spotted by the police.

In the latter stage of the statements above, one may be tempted to ask how possible it is to get spotted by the police for not having a motor insurance if not being flagged down?, or do the police have to flag down all cars and have them all checked all day?. Well, in the UK, the police vans are equipped with a fully automated cameras which help them run a check on each car’s plate numbers and get them checked with the help of a national database. When caught for not having a motor insurance, the car owner is flagged down and made to pay a certain fine for defaulting. All cars in the UK are expected to have a certain insurance cover and the highest of these covers is the Third-party cover.

There are said to be other higher covers than the Third-party cover, but no car would be charged for not having those ones because the highest legal requirement of any car in the UK is the Third-party cover so, going beyond it is regarded to be more of a personal choice..

There’s no need applying for a car insurance when you have no car, and also when you aren’t driving yours. You can also avoid paying tax for any car that isn’t in use, but the authorities still have to be notified that you own a car even if it’s currently not in use. Failure to get them notified on this would attract a fine ranging from 80-100 pounds. Follow the guidelines in this link to Inform The Authorities 

Types Of Car Insurance In The UK

There are basically three legally required car insurance in the UK, with each having it’s unique offers and cost. Below we analyze the 3 categories of car insurance to help you find the most suitable option for your car.

• Third-Party Only Car Insurance: This is said to be the commonest of all three car insurance in the UK. It only covers the costs of the damage you inflict on someone’s properties, life or goods. In a scenario you hit someone and injure him or her, this insurance option takes care of the cost of treating the wounded person or replacing his/her damaged goods only. Meaning that you have to take care of the cost of fixing your car yourself. In a clearer explanation, the Third-party car insurance only covers the costs of damages you inflict on others while you’re left to carter for your own damages yourself. And even when your car is stolen,  The-third party insurance won’t compensate you.
• Third-party, Fire And Theft Car Insurance : Just as the name implies, this type of car insurance covers everything the Third-party only covers and more. With the more being that if your car in stolen or involved in a fire accident, the Third-party, fire and theft car insurance would compensate you.  In a scenario you’re involved in any accident which isn’t fire related, this insurance option won’t cover it. If the said accident was caused by the opposing car, their insurance company/option would compensate you, but if it tends to be the other way, meaning that you caused the accident, you would cover the whole costs of fixing your vehicle yourself.
• Fully Comprehensive Car Insurance : This car insurance option covers everyone and everything involved in the car accident.  It covers you if injured, and your car if damaged, and also covers any property damaged and this also extends to that of any party involved in the accident. Seems to be the best amongst the lots right? yes it is, and surprisingly, it’s also the cheapest of the 3 options.

With the information above, we believe to have answered some of your pressing questions about car insurance in the UK.

to know the cost of car insurances in the UK click HERE