Car Insurance Guide

The car insurance is a known thing these days but very few drivers know the complete details about the car insurance policies and their terms. The insurance guide car is necessary to let the car owners know all details about the terms and conditions of the Car Insurance. As per the insurance law in United Kingdom, every car needs to have an insurance for at least third party only cover. The insurance is required to secure the interest of car owner, car driver and the injured third party. The car owner and the driver is not always the same. Hence, the car owner needs to insure the car against the damages caused by all probable drivers. This will save the owner from heavy repair expenses and at the same time the driver will be protected against all legalities. The third party is also protected against medical expenses incurred due to injury.

The car insurance comes with various types of covers. The third party only cover, third party fire and theft cover and comprehensive cover are the popular types of cover. The comprehensive cover is expensive and gives complete protection. It will take away all your worries. The insurance guide car will get you the further details on all kind of covers. The car insurance can be bought on temporary basis or annual basis. The annual insurance is the permanent insurance kind of thing. The temporary insurance can be taken for 1 to 28 days. It is a convenient kind of insurance and is available as one day insurance, weekend insurance, weekly insurance and monthly insurance. The car owner can decide the insurance term as per the requirement and affordability of the premium.

The Car Insurance Guide is available online. The websites from all the reputed insurance companies have online ordering system for the insurance. The car owner can first take the online quote or calculate the premium through online premium calculator. The user friendly websites will allow you to purchase the insurance online. The payment options are also safe and secured. The payment can be made with the help of credit card or debit card.

What is Car Insurance?

Car accident is a reality. How safely you can drive your vehicle but you can never guarantee on other peopleís judgment. Even, when we are taking, someone somewhere might have bumped the road. In addition to physical losses the affected might incur financial losses which at times become very hard to bear. And, thatís exactly why Car Insurance is more than a legal necessity.

Car insurance brings peace to your mind by insuring against the possible financial losses in case an eventuality takes place. To insure your car, you need to contact a Car Insurance provider and pay him a premium amount. The premium amount is calculated based on your complete driving history and risk profile. So, things like your age, driving history and your area, all play an important role in ascertaining how much you have to dole out as a premium amount.

Why do You must have Car Insurance?

The most important reason for every person who drives a car to have an applicable and existing insurance policy is the legal requirement. Every driver is legally obliged to insure his car.

In addition to insuring the vehicle, Car Insurance Companies also offer additional cover for an extra fee. The additional coverage may include breakdown cover, payment protection, and third party insurance for injuring other person and car accessory theft protection. Every accident brings unexpected costs in the form of car repairing costs, medical costs etc., and a car insurance policy help you pay those bills.

How do Insurance Companies Protect the Victims of Uninsured Drivers?

If an uninsured driver injures a person or damages his property then the affected person also called third party receives reimbursements for the damages caused from the Motor Insurers' Bureau. Also, Car Insurance reimburses for stolen vehicles in case a car thief damages or steals property or injures another person.

Motor Insurers' Bureau (MIB) was established in 1946 for the purpose of entering into Agreements with the Government to reimburse the victims of neglectful, uninsured and untraced motorists. By virtue of the Road Traffic Act 1988, it is obligatory for insurance providers, underwriting compulsory Car Insurance Guide, to be a member of MIB and to contribute to its funding.

In 2001, the insurance industry set up a Motor Insurance Database to trace uninsured drivers. The Motor Insurersí Information Centre (MIIC), a division of MIB, controls the Motor Insurance Database and also acts as the information centre.

The Motor Insurance Database holds details of all private and fleet motor insurance policyholders. The police are the biggest user of this data base making more than 3.8 million enquiries per month. It facilitates them to carry out checks on vehicle drivers to confirm they have a valid motor insurance policy.

How to pick and choose the Best Car Insurance Deal
Basics of Car Insurance
Factors affecting the Cost of Car Insurance
Ancillaries - Extra Protection for You and Your Car
How Insurers Calculate the Premium Amount
Claims History
What Happens to Your Money?
Getting the Best Insurance Quote
Is a Low-Cost Insurance always the Best?
Why Premiums Increase Frequently?
Pay as You Go Car Insurance
Things You Need Before applying for Car Insurance
Liability and Legal Requirements
Important Associations
How to Reduce the Cost of Your Car Insurance?
Simple Ways to Cut Your Car Insurance Bills
How to Make a Claim for Your Losses?
Why Insurance Claims Gets Declined?
How the Financial Ombudsman can Help
Car Insurance Rating Group
Car Insurance >> Car Insurance Guide
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