Since 1930, it has been law in the UK that every person who drives a vehicle must have, at the minimum, third party auto insurance. The laws have changed over the years, but the wisdom of having auto insurance has been maintained. The auto insurance that you buy in the UK will travel with you throughout most of Europe, although the exact details change according to the country in which you are traveling.
In its most basic form, called third party only, auto insurance covers you for the claims made by others for bodily injury or property damage. This is the simplest plan; however, there are many add-on options available when you purchase auto insurance, including: fire, theft, glass, 24-hour accident recovery service, courtesy cars, emergency roadside assistance, and breakdown. Most auto insurance dealers include the majority of those options in their more comprehensive plans.
In order to get an auto insurance quote, you can either talk to a representative of the company with whom you want to work, or you can fill out an online short form. There are short forms available on the sites of auto insurance dealers, as well as on sites that represent many auto insurance companies. The latter?s version, after submitted, will then search for the best auto insurance deal available to you out of their pool of auto insurance offers.
The information generally requested on a short form includes: names, occupation, type and length of licence held, phone numbers, addresses, number of drivers to be included on the plan, recent auto insurance claim history, conviction history, car?s registration and mileage, and the value of the car. This information will be used to come up with a risk profile for you, in order to determine if you are eligible and then for the amount you will be charged for your auto insurance.