Comprehensive Car Insurance

Comprehensive car insurance is the highest level of protection that you can get for your passengers, your vehicle and yourself. Car insurance is a legal requirement of driving a car on UK roads, to ensure the protection of all road users. However, you do have a number of options to choose between when insuring your car, with varying degrees of protection. The lowest level of cover, and therefore the cheapest of these options is third party car insurance. This will only cover damage done to other people's vehicles and property, and cover (usually unlimited) for causing accidental injury or death to other people.

Comprehensive car insurance, which is the most popular type of car insurance in the UK, covers you for these eventualities and many others. For example, if your car is stolen, or damaged through vandalism, a flood or accident, your comprehensive car insurance would cover you fully to have the car repaired or replaced. There would also usually be a courtesy car provided until yours was back on the road again. Although cover will vary from policy to policy, cover for medical expenses and the loss or damage of your belongings would usually be included as standard. Despite the fact that comprehensive car insurance is sold in order to cover every possibility, there may be restrictions in your policy that affect the level of cover that you receive and therefore it is really important to check the small print of the policy before signing up.

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Car Insurance Tips

• Always shop around for car insurance.  Rates can differ enormously between car insurance companies, so when your policy is up for renewal make sure you are getting the best rate.
• Don't be afraid to bargain. If you find a better deal, let your insurer know about it, they may be able to match the premium.  As an existing customer, you are very valuable to them, so make them work for your business!
• Consider an excess. If you are willing to pay a certain amount towards the repair costs of your car, known as an excess, your premium will be lower.  However, only choose an excess that you would be able to afford tomorrow, should you be involved in an accident.    
• Check for discounts. Lots of insurance companies offer no-claims bonuses because they prefer to insure people with a history of careful driving.  Insurers may also target certain groups, such as women or older drivers, and will offer more competitive rates if you fit their criteria. Therefore, it really pays to research the providers in the market before committing yourself.
• When you get new coverage, be sure to cancel your old policy right away. Inform your old insurer in writing or over the phone when you get new coverage.  Check the terms and conditions of your existing policy for details of the cancellation notice period.  If you must give a month's warning, you'll need to ensure your new cover starts at the end of the notice period to avoid paying two premiums for a month.
• Mind the gap. Do not cancel until your new coverage is in place because neither insurer will cover you if you are involved in an accident when you are officially between policies.