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Car Insurance Types
UK Car insurance is generally available on the following basis:
Third Party Insurance
This type of car insurance covers claims made by others against you for bodily injury
and damage to their car. It does not cover injuries to you and the cost of repairs to your own car.
Third Party Fire and Theft Insurance
This type of car insurance cover includes Third Party Insurance above but also provides cover
if your car is stolen or damaged by fire.
This type of insurance may be appropriate if you have an older car that is nearing the end of its useful
life.
Please take care when assessing the true value to you of your car if considering either of the above types of car insurance policies.
Comprehensive Insurance
Comprehensive insurance covers all of the above (Third Party Insurance and Third Party Fire and Theft Insurance) plus accidental damage to your own car
and is the most common form of car insurance in the UK.
Options
The excess is the part of any claim which is required to be paid by you the policy holder.
The larger the excess you are willing to pay the lower the premium.
An Excess can range from as little as £50 to over £500.
With some UK car insurance providers an optional extra to a policy may be that you will have the use
of a hire car if your car is off the road through a claim following an accident.
Legal protection insurance is usually offered at cost on top of the basic premium and
this cover would assist you in the cost of persuing uninsured items such as a personal injury claim and loss of earnings following an accident.
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