Choosing the right insurance for your needs is an absolute must!

Third Party Only Car Insurance
This covers the policyholder against damage to a third party's property or to the third party themselves.

Third Party Fire and Theft Car Insurance
This the same as a Third Party Insurance policy but will cover the policy holder for Third Party Fire, Theft policy will pay out in the event that your vehicle is sets on fire or stolen.

Comprehensive Car Insurance
A Fully comprehensive policy will normally pay out for third party damages as well as injuries; they will also pay out in the event of your vehicle being set on fire or stolen and should also pay for damage to your own vehicle regardless of who’s caused the accident.

What policy do I need?
Well that’s a difficult one to answer as everyone's circumstances are different, you should take care to make sure that you ask all the right questions to ensure you get the right policy for you.

Why do costs of motor insurance cover vary so much?
Every Insurance Company employs underwriting staff who are responsible for underwriting the costs that the insurance company may have to pay out to the policyholder or third party. Underwriters have a wealth of statistical information, and it is from this that they calculate the likely cost of insuring a particular vehicle for a particular individual.Your age is to be considered, the less experienced and younger driver you are, the more likely it is that you will have an accident and make a claim on your policy.

No Claims Discount
Every year that you insure your car and do not make a claim on your policy, you will receive what is called a "no claims bonus". This will allow you a discount of up to usually 70% off the cost of your insurance if you have driven accident and claim free for five years. So the longer you go without any accidents the cheaper the insurance will get.

What Insurance Group is my car!
All cars are given an insurance group which is an analysis by the motor insurance industry of the level of risk involved with each car type and group this is normally based on the likely repair costs if you had an accident. A high-powered sports car is likely to be a group 20 therefore the most expensive car to insure and a small family hatchback may only be a group 4 therefore a cheaper car to insurance cover all good garages should be able to advise you of your insurance group before you go ahead and buy the car.

What Benefits should be included in your motor policy
Insurance companies all offer, the most common example is you being supplied with a free courtesy car in the event that your car is involved in an accident or maybe Legal protection. There is a cost associated with all the benefits so please be aware the more benefits they offer, the higher premiums you will pay.

Be careful of excess charges compulsory and voluntary
Whilst most insurance company policies have a compulsory excess, they may also offer you to take a voluntary excess charge, over and above the amount of the compulsory excess. But in the event of a claim you have to pay all excess charges and the insurance company has to pay for any balance over and above this

Car security
UK car theft is common place within most towns and cities. If you have fitted a car alarm or an immobilizer there is less chance it will be stolen so your motor insurance policy should be lower than than someone who has no security device fitted to there car.

Last but not least
Always shop around to get the best cover for you at the lowest price. Try various agents and brokers as well. There are nearly 150 companies out there and they all want your money, the phrase "you get what you pay for" is also true when it comes to insurance cover, so make sure you give the correct details and always read the small print.