Motor insurance quotes
Everyone who owns a car has to go shopping for motor insurance before they are able to legally drive. So it's worth taking the time to decide what type of deal is most suitable for you before committing to a policy.
As a driver looking to insure your car, the first thing you may need to consider is the level of car insurance protection you would like to purchase.
Motor insurance policies typically become more expensive as the degree of cover increases, although you may be glad of the extra protection if you ever have to make a claim.
The entry-level policy is third party cover; this is the statutory legal minimum requirement for driving on UK roads. It commits your car insurance company to provide compensation to drivers involved in a collision with you if certain conditions are met.
Moving up the protection levels, third party, fire and theft car insurance cover generally also entitles drivers to claim back from their car insurance broker in the event of fire damage or a break-in by thieves, in addition to providing compensation to third parties involved in an accident with you.
At the top of the car insurance scale, there is fully comprehensive cover, which in addition to the before-mentioned benefits, typically offers cover for the driver rather than the vehicle.
Fully comprehensive vehicle insurance policies may also pay for other liabilities, such as personal injury cover in the event that the motorist receives whiplash or more serious ailments during a collision.
There are also add-on products such as legal cover, courtesy car cover and breakdown cover that can be added to the policy to meet the driver's needs.
As with any insurance product however, exact terms do vary between different brokers and so there may be some crossover between the cover on offer.
Motorists should ensure that they read the small print of policies to make sure that, when they go shopping for car insurance cover, they get the protection that is right for them.
One of the key advantages to using a price comparison site like comparethemarket.com is that it gives you peace of mind. We check more than 400 motor insurance quotes so you can be certain that you're getting a good deal.