Choosing the right cover for you when it comes to car insurance

Car insurance is a legal requirement, but there’s more to it than just choosing the cheapest policy you can find. Although that’s tempting, it is important to take the time to find the right cover for you, your vehicle and your circumstances, as failing to do that could leave you seriously under-insured if you need to make a claim, or, in the worst case scenario, you might not even be covered at all!

What kind of insurance cover is best?

This really depends on how the car is being used. For example:

Hire cars – basic insurance is generally included in the cost, but there are cheap policies available which cover the driver for excess costs and issues not covered by the main policy. These are often much cheaper from specialised brokers than mainstream insurers.

Business use – whether you have a company car or use your own vehicle for business purposes sometimes, this is something the insurance company needs to know when they create your policy.

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Motor trade insurance

This is essential for anyone in a job where they are handling multiple vehicles that they don’t own. This means car showroom owners, mechanics that test drive customer’s vehicles after repairs, and so on. See a specialist insurance agent for quotes, such as

Third-party car insurance

The most basic available and the legal minimum, this doesn’t cover costs for repairs or replacement if your vehicle is damaged due to your own fault, but you know at least that all third parties are protected. These days, it is often cheaper to buy a fully comprehensive policy, but this type is still a decent bet if a car is very old and expensive to repair, and it is significantly cheaper than a comprehensive policy.

Third party, fire and theft car insurance

This is pretty much the same as third-party insurance, except it does provide cover if your vehicle is unusable following fire, or if it is stolen. In most cases, it is best not to skimp on insurance policies, so always buy the best cover you can possibly afford.

Fully comprehensive car insurance

This is the policy with the most cover, and it is usually well worth paying for.
Ultimately, you get what you pay for, so always stretch that budget to the max.


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