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What is Car Insurance?
Car insurance is a way of protecting yourself financially, against legal liabilities arising from at fault accidents and for theft or damage to your own vehicle. There are three main types of motor insurances available, offering different levels of cover:
1. Comprehensive Car Insurance
This is the most extensive level of car insurance that can cover damage to all vehicles and property in an accident where you are at fault, including your own. While it's a more expensive option, you can often add on extras like a hire car while yours is being fixed, and emergency travel and accommodation if the accident happens far from home.
2. Third Party Fire and Theft Car Insurance
This level of car insurance can cover damage to other people's vehicles or property in an accident where you are at fault, but not your own. However, your car is covered if it is stolen or damaged by fire.
3. Third Party Property Car Insurance
This level of car insurance can cover damage to other people's vehicles and property in an accident where you are at fault, but not your own. It's a more affordable option that reduces your legal liability when you cause damage to others.
What about specialty car insurance?
Motor insurance is a broad market with many insurers specialising in different types of cars, so you can find policies that are tailored to almost any market. You can get specialty car insurance for your vintage or classic car, or women's car insurance specifically for females, or even eco car insurance for those concerned by their impact on the environment.