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UK New Car Insurance
If you are a UK resident, and you are thinking about purchasing a new vehicle, you may be wondering about what sort of insurance cover you need to properly insure your new car. New car insurance can be a bit confusing, so it is not uncommon for consumers to feel apprehensive about shopping for a policy. Fortunately, when you understand the types of coverage available, you can make an educated decision.
All UK new car insurance will have to include third party liability cover by law. This protects other drivers, as well as their passengers, if you cause a car accident - it pays for their medical and rehabilitation expenses, as well as for property damage. You will need to prove that you have at least third party liability coverage when you register your vehicle.
There are also several types of optional cover that you can choose when you are purchasing your new insurance policy. Many drivers elect to purchase fire and theft cover to supplement third party liability coverage. This coverage pays for repairing or replacing your vehicle if it is damaged by fire. It will also pay for your car if it is stolen. Fire and theft coverage is typically inexpensive, so you can obtain this added protection without significantly raising your insurance premiums.
Let us be realistic though - if you have just spent thousands of pounds on a car that you may have saved up for and dreamed about for ages, are you going to be satisfied with this level of cover? And if you have bought on finance, would the finance cover accept such a low level of protection? Hardly surprisingly, most new car owners in the UK opt for comprehensive cover. This type of policy pays for damage to your vehicle in the event of a motor vehicle accident or many other types of loss. Since relatively few consumers could pay for major repairs out of pocket, this cover can offer you a significant level of financial protection. It will also give you peace of mind, because you will know that if your car is damaged or destroyed in an accident, you will have the financial means to repair it or purchase a new vehicle.
Roadside assistance is another valuable extra you can add to your new car insurance policy. If you become stranded because of a mechanical breakdown, this cover will pay for an emergency service to tow your vehicle to a repair shop. Some roadside assistance packages also provide cover for other services, such as winching or minor repairs. Think you are unlikely to need this with a new car? Misplaced optimism I'm afraid, breakdowns still occur as a result of tyre punctures or damage from road debris to even the newest or best maintained vehicles.
You may also want to add courtesy car coverage to your insurance policy. If you are involved in an accident, this cover will enable you to rent a car while your vehicle is being repaired. This can be a valuable benefit, because it will allow you to carry on with your daily routine while you are waiting for repairs to be completed.
These benefits can help you avoid significant financial losses, while giving you the peace of mind of knowing that you and your family are properly protected.
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