Types of car insurance cover
The problem with car insurance is that it’s full of jargon, but you need to get to grips with it if you’re to stay legal and get the best deal you can when buying cover for your car. One of the key things to consider with car insurance is what level of cover you want – as well as what you can afford. There are three types to consider – plus a raft of add-ons, only some of which are worth having… Third party car insurance This is the minimum level of cover that you can buy for your car, but it’s all you need to drive legally. As a basic policy you could be left feeling very exposed in the event of an accident – especially if it’s your fault. Third party car insurance will only cover the costs of anybody who would otherwise be left out of pocket by your actions. So if you drive into someone or something, repairs to their property will be taken care of and so will any personal injury claims. For some people this is enough, but don’t be fooled into thinking that it won’t happen to you. Misjudging a corner, skidding on a wet road or failing to spot someone as you pull out from a junction are all things that might just happen. And if one of these things does happen to you, the cost of repairing or replacing your car will be completely down to you. There’s also the possibility of your car being stolen or catching fire; newer vehicles, with their high-pressure fuel systems, along with modern fuels which are incredibly flammable, mean car fires are more common than ever. With this most basic level of car insurance you won’t be covered in the event of your car being pinched or burned out, so you could be left hugely out of pocket. So before opting for third party insurance cover only, think very carefully.
What are ghost brokers?
Running a car tends to be expensive, so it’s no wonder drivers are always on the look out for ways to trim their costs. With insurance often one of the biggest overheads for car owners, it’s also one of the areas that’s potentially the easiest to save cash. There are lots of ways to cut your insurance bills, with shopping around being at the top of the pile. But when you’re doing your price comparisons it’s essential that you don’t get duped by a scammer – or ghost broker – selling you a non-existent policy.
If You Buy A Lamborghini, Make Sure You Can Afford The Insurance!
HPI CrushWatch Makes the UK’s Roads a Safer Place For Law Abiding Motorists HPI CrushWatch saved over £56 million worth of vehicles that were being driven without insurance, from being crushed at the instruction of the police in 2014. Shockingly, supercars and prestige vehicles are often being driven by insurance evaders. However, popular, high volume makes of car, such as Vauxhall and Ford top the culprit’s chart.