Car Insurance:

Let us take you to the various types of online car insurance available before deciding on which insurance to opt for. Car Insurance rates starting from the cheapest are:

Third Party

The third party insurance in UK is the minimum insurance required by law for a car. Therefore it becomes mandatory that every driver at UK has one. Although it covers injury caused to others or their car for which you are responsible but will not let you claim for any injury caused to yourself or your car in the milieu.

Third Party, Fire and Theft

This is just a step above third party insurance. If your car is stolen, destroyed by fire and cannot be recovered in such a case you will be able to claim. At the same time it would also cover damage or injury caused by you to others.

Comprehensive

With this you can claim for any injury done to yourself and your car even if the sole responsibility of the accident lies on you. This kind of insurance also covers the above two insurance.

Extra Features

The policies of different insurers have varied extra features to offer a customer. It is vital to consider this when choosing whom to insure with. This is evident in Comprehensive Policies as it is with extra features. If you are not looking out for extra features then you might get a policy for a lesser price.

No Claims Bonus

Any insured client who has not made a claim for a particular insured year would be covered under No Claims Bonus or No Claims Discount. When you make no claim for a particular year then your premiums will be reduced by a percentage which implies that you don’t pose a risk to your insurance company. This discount provided to you grows year by year until it reaches the upper limit (maximum discount payable) which is usually 60-70% depending on your insurer. If you make a claim, your bonus will be reduced either back to its previous level or even cancelled completely. Some policies have a permanent ‘No claim bonus for life’ which will freeze your bonus at the same level even if you claim them your bonus would remain the same for life time. This is advisable if you have already reached your upper limit discount as this would protect you no matter what happens in the future.

Named Drivers

If you want to add others name who would drive your car you can do so by adding their names in the policy. It is more commonly seen with parents who add in their children’s name in their policy.

Courtesy Car

Incase your car has met with an accident and has gone for repair it helps you avail the use of free hire car till you get back your own car.

Windscreen Replacement

If your windscreens are broken then under a roadside assistance scheme you can get your screens replaced for free. Even if you don’t have such a scheme you can still get a free replacement from your insurance.

Audio equipment

With this policy you will get to replace your car’s audio equipment incase its stolen. Do consider the limits on the value of audio equipment that the policy is set to cover.

Roadside Assistance