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Car Insurance

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If you are in the UK and you want to drive or own a car then you must have car insurance. Popularly known as motor insurance in the UK, car insurance is a legal requirement. The car owner must insure his or her potential liability towards other drivers and cars before driving in UK. Car insurance in UK has been in existence since 1930 when it was made a legal requirement. The UK government had introduced a legislation that made it compulsory for every driver in the UK driving a vehicle or allowing others to drive that vehicle to be insured. It is therefore very important that you get yourself a UK car insurance.

There are various types of car insurance in the UK. You can choose the right UK car insurance depending upon your circumstances. There are numerous policies available in the UK car insurance quirements, some policies might be more suitable to you than others. To choose the best UK car insurance policy available, you must understand the difference between the UK car insurance policies available and the effect they will have on you as a policy holder and the other users on the road.

The UK motor insurance market consists of a number of UK car insurance companies like Norwich Union, thousands of independent UK car insurance brokers and direct UK car insurers like Esure etc. The direct insurers enable you to buy motor insurance directly thereby eliminating the brokers and their charges. This is the reason why one must look at direct car insurers rather than buying UK car insurance from brokers.

There are chiefly three different types of UK motor insurance policies available in the market:

Comprehensive (Fully Comp)
Third Party Only (TPO)
Third Party Fire & Theft (TPF&T)

Comprehensive

In UK motor insurance of the comprehensive type is one of the most popular ones. It covers the third party damages and injuries and your vehicle if stolen, set on fire or damaged regardless of whose fault it is.

Third Party Only

The UK motor insurance Third Party Only policy covers damage or injury to the third party only and not your vehicle.

Third Party Fire and Theft

This UK motor insurance policy is same as the Third Party Only policy except that it also covers your vehicle if it is set on fire or stolen.

To find out more about the best UK motor insurance companies, visit our reviews section.