Car Insurance

Car insurance can provide cover if you are involved in a car accident.

Type of Insurance Cover

There are three types of car insurance.

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Third Party

Whilst usually being the most expensive insurance, it provides the least amount of cover. It will only insure damage caused to others or injury to them. No cover will be provided to yourself or your car.

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Third Party, fire and theft

In addition to providing cover to others or injury to them, it will also cover your car if it is damaged or ruined as a result of fire or theft.

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Fully Comprehensive

This is the complete cover. In addition to the cover offered by third party, fire and theft, fully comprehensive covers you, your car and other cars, drivers and passengers. It can also cover damage to property.

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Frequently Asked Questions

It is a legal necessity to have car insurance unless you are keeping your vehicle on private land. If you are found without car insurance, you could be liable for a minimum of a £300 fine along with six penalty points.

We would advise taking out fully comprehensive car insurance. Third party insurance is perceived as being cheaper than fully comp because it provides less cover however this is rarely the case. Fully comprehensive car insurance is the most complete level of cover you can get for your car. It provides protection for accidental damage, fire, theft and any damage to third party property in the event of an accident. It can also cover injury claims.

  • Personal Details – Name, Age and Profession.
  • Vehicles – Car Registration or Make, Model and Age.
  • Car Usage – Work or Pleasure.
  • Additional Driver – Details of any other drivers.
  • Driving History – Accidents, Previous claims, and Convictions over the past five years.
  • No claims (if applicable) – Proof from your current insurer of how many years without a claim.

It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on approximately 9% interest.

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