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UK Car Insurance Policies
If you are new to the UK, or you are just learning how to drive, you probably realize that you will need car insurance to legally operate a vehicle on UK roads. Understanding UK car insurance policies can be a challenge, but once you understand the basics, you can purchase a policy that will meet your financial needs and satisfy legal requirements.
All drivers in the UK must purchase at least a minimum level of car insurance. If you are on a budget, there UK car insurance policies that are designed only to meet these requirements. At the minimum, your insurance policy must include third party liability. This covers the medical expenses and property damages of other drivers and passengers if you cause a vehicle accident. This coverage is required because most drivers would be able to pay for these expenses on their own.
In addition to third party liability coverage, UK car insurance policies typically offer a number of optional coverage. If you have a relatively new vehicle, or you are still making payments on your car, you should carry comprehensive coverage. This part of your policy pays for damage to your car if you are involved in a motor vehicle accident. Since vehicles can be quite costly to repair or replace, this coverage can save you from having to pay large out of pocket expenses to get your vehicle back on the road.
Another popular optional coverage for UK drivers is fire and theft coverage. This can be added on to a liability policy to provide protection against damage caused by fire. It will also pay for the repair or replacement of your vehicle if it is stolen. Even if you purchase comprehensive coverage, it is still a good idea to add this coverage to your policy.
Personal accident coverage can be purchased to pay for your medical and rehabilitation expenses if you or a passenger are injured in a motor vehicle accident. Although you may rely on health insurance coverage to pay for these expenses, personal accident coverage can help pay for services not covered under your health insurance policy.
Most UK car insurance policies also offer roadside assistance coverage. If you have a mechanical breakdown while travelling, this coverage will pay for the cost of obtaining emergency assistance. Since this coverage is typically quite inexpensive, it may be worth it to know that you are protected in the event of a breakdown.
Finally, you should consider courtesy car coverage when evaluating UK car insurance policies. If your vehicle is being repaired, this coverage will pay for you to obtain a courtesy vehicle. This can allow you to resume your daily activities while you are waiting for your car repairs to be completed.
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