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car insurance uk

Published on December 14, 2012 by   ·   1 Comment

Some vehicles are exempt but these vehicles fall into a particular category  and have a particular purpose, such as work for the government or another field.  Car insurance in the UK comes in different options and in varying plans. In  different regions and countries within the UK, motor insurance can be a  different price as well. The following information explains more about car  insurance in the UK and the types of policies that are available to individuals  to protect vehiclesthemselves and their vehicle in case disaster strikes.

Road Traffic Act Only Insurance

One type of car insurance that is available to those in the UK is known as  Road Traffic Act Only insurance. This type of car insurance is not accessible in  all regions, however; it is not completely comprehensive and satisfies only the  minimum requirements of UK law. It offers a limit on damage that is done to any  third party’s property and is not offered in many areas because of the limits to  the coverage that it has.

Third Party Coverage

Third Party Car Insurance coverage is the minimum amount of insurance that  most auto insurers will provide. It is a satisfying but not comprehensive plan.  It meets the requirements of the UK law but does not exceed them very far. This  type of coverage does cover any liability to third party actors however this  type of motor insurance cannot be used in any other instances. For this reason,  another type of car insurance is available that provides a bit more coverage:  the Third Party Coverage Fire and Theft insurance covers a bit more, including  acts of destruction such as fires and or the actual theft of the vehicle. Other  acts of vandalism that occur to the car may or may not be covered.

Comprehensive Car Insurance

One type of vehicle insurance is known as comprehensive coverage. In this  type of motor insurance, a car is considered covered for any damages that the  individual has a result of their own actions, the actions of another, or any  vandalism that the car has had happen to it. This type of car insurance is the  most widely used in the UK with roughly two thirds of the population having  comprehensive car  insurance. It covers several different acts of vandalism that can occur to  the cars, including fire, theft, and vandalism. It covers third party damage as  well. Because of this comprehensive nature, as the name suggests, it is the most  sought after insurance to protect against personal and financial  liabilities.

As you can see there are numerous types of motor insurance available to  vehicle owners in the UK with the comprehensive cover being by far the best  option for most people.


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