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Importance of Car Insurance
Car insurance is your safeguard against bad luck and the bad driving of others. It has been compulsory in Britain since 1930 and is codified in your policy, a legally-binding contract. The Road Traffic Act 1988 requires at least third-party personal injury insurance. It states, in effect, that it is against the law to drive on the public highway without it, and proof of coverage, which is an insurance certificate, must be produced if the police ask to see it. All UK motorists must display a Vehicle Excise Duty, such as a VED, or tax disc, on their vehicle, which cannot be obtained without proof of coverage.
In addition to third-party insurance, UK motorists can purchase fire and theft insurance and comprehensive insurance.
Surveys show that the average Britain feels safer on the road than road than the average driver in any other European country. Still, uninsured motorists are blamed for 160 UK deaths per year. Furthermore, The Association of British Insurers reports that Britain has one of the highest death rates involving accidents with young drivers. Indeed, drivers 25 and under account for a third of Britain's auto insurance claims.
You can avoid vehicle seizure, license penalty points, and penalties by keeping your vehicle properly insured. Britain who leave their cars uninsured face fines of up to £1,000 even if their vehicles are kept in a garage. According to the Motor Insurers' Bureau, also known as MIB, many young drivers in the UK are unaware that car insurance is a legal requirement, and 900,000 of them are driving without it. The MIB maintains the Motor Insurance Database, which the police use to seize 500 vehicles every day.
Rates are most expensive for very young drivers. Insurance premiums also tend to go up for driving violations, such as speeding and driving under the influence. Factors such as where you live, whether or not you drive out of country, and the kinds of security features your car has can act to lower your rates.
Britain have many options for purchasing the required insurance policy, including shopping for the best deals online or visiting a broker's office. Foreign nationals renting a car in the UK can purchase a collision damage waiver, also known as CDW, and additional liability insurance from their rental company. However you go about securing your policy, remember that the cheapest coverage is not always the best coverage. Make sure you are getting the auto insurance you need, and investigate the claims process while you're shopping. Do not wait until after you have been in an accident.
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