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If you are just beginning to drive, or if you are planning a move to the UK, you may be wondering if you need UK car insurance. You may also be wondering what types of car insurance cover are available, and how they will protect you.
UK car insurance is required for all drivers who operate a vehicle on UK roads. At the minimum, you are required to purchase third party liability coverage, which pays for the injuries and property damage you cause to other drivers and passengers if you cause an accident. Although this coverage does not cover your injuries or other expenses, it provides a very important protection - it keeps you from being sued by another driver if you cause a motor vehicle accident.
When you register a car in the UK, you must prove that you have purchased UK car insurance before your registration can be completed. This, it is important to purchase at least the minimum required limits of third party liability coverage before you attempt to register your vehicle.
You may also wish to purchase additional UK car insurance cover to protect you against financial loss. UK drivers commonly purchase comprehensive coverage, which pays for the repair or replacement of your vehicle if you are involved in an accident. Without this coverage, it would be very difficult for most drivers to pay to repair or replace their vehicles - this coverage can give you the peace of mind of knowing that your investment in your vehicle is protected.
Fire and theft cover can also be added to third party liability. These UK car insurance coverages pay for the replacement of your car if it is stolen, and for the repair or replacement of your vehicle if it is damaged by fire. These can also be combined with comprehensive cover to provide an even greater level of protection for your vehicle.
Another important coverage to consider when purchasing UK car insurance is roadside assistance insurance. This it typically an inexpensive add-on to your core policy benefits, but it can be invaluable if you have a car breakdown or other emergency that requires roadside assistance.
Courtesy car cover is also offered by most UK car insurance companies. If your vehicle becomes disabled because of a breakdown or accident, courtesy car coverage will pay for a temporary substitute vehicle while your car is being repaired.
Finally, you should consider adding personal belongings coverage to your UK car insurance policy if you carry expensive items in your vehicle. If your personal property is stolen from your car, this coverage will pay to replace the stolen items. Personal belongings coverage is especially important for professionals who routinely travel with laptops, GPS devices, or other expensive electronic equipment.
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