What Is The Right Type Of Motor Car Insurance For You ? (the Right Type Of Motor Car Insurance)

It is important for you to understand the different types of motor car insurance

. These include Fully Comprehensive, Fire and Theft, Third Party and Breakdown. You might buy third party insurance for a low value car like Citroen C2, Fiat and VW Polo. You might purchase comprehensive car insurance if you have a high value vehicle like Jaguars, Peugeots and Land Rovers. You can also buy a third party car insurance for your high performance car and vice versa. Choosing the right type of car insurance is dependent on two main factors: your vehicle model and financial resources.

Fully Comprehensive Motor Car Insurance

Fully comprehensive is a popular insurance category, as more than half of UK car owners hold this type of policy. For cars valued at 5,000 or more, fully comprehensive is the right type of insurance. This type provides coverage to all type of risks to your car. It covers the following liabilities :

Accidental damage to your vehicle

Accidental damage to other car

Physical injuries to others including pedestrians and passengers

Damage to your vehicle due to fire

Damage to your vehicle due to break in

Missing personal belongings up to a declared limit

Damage to other peoples property such as office building, residences and shops

Windscreen damage

Fully comprehensive insurance does not cover :

Electrical breakdown

Mechanical failure

Wear and tear

You can ask for certain extra options in fully comprehensive insurance. These options may be :

Personal accident cover - covers the driver for certain physical injuries due to accidents and collisions.

Green card - covers 3 months in any EU country.

Third Party Motor Car Insurance

A cost effective insurance, the third party motor car insurance is the minimum legal requirement in all of the UK. Owning this type of insurance will let you drive others vehicles whereby you are equated as a third party. It covers :

Damage caused to property

Injuries inflicted on a person, including the passengers

Injuries to another driver

Damage to another car

It does not cover :

Injury to you

Damage to your car

Fire and Theft Motor Car Insurance

This type of car insurance is in addition to third party car insurance. It provides limited protection to others and their vehicles. It also provides coverage for damages to your car due to fire and burglary. Fire and theft car insurance covers:

Break ins to your vehicle

Stealing of your car

Fire mishaps in a vehicle

Breakdown Motor Car Insurance

If your car is more than four years old, it is 15%more likely to have a roadside breakdown. In order to have cover for such a liability, car owners invest in breakdown motor car insurance. It covers :

Roadside collapse

Courtesy car during the time your car is being repaired

Accommodation arrangement if your car breakdown has occurred far away from your home

Extra options can be added in breakdown motor car insurance, such as :

Breakdown cover for additional cars

Cover in EU countries

by: Richard Philips

POST COMMENT

Autocop Car Central Locking Systems Keeps Your Car Trouble Free The Pros And Cons Associated With 3rd Party Car Insurance The Advantages And Disadvantages Of 3rd Party Automobile Insurance Searching For The Best Cheap Auto Insurance The Need For Extensive Automobile Insurance Cover Why Car Insurance Is Important Know The Ways To Trade In Autopilot How To Choose An Auto Body Shop Linear Actuators In The Satellite, Housing And Automobile Industry The High Speed Chase For Auto Parts Motorcycle Accident Lawyer San Jose Auto Insurance Quotes-affordable And Easy To Maintain Top Class Of Motor Sport Around The Globe