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Car Insurance Car Insurance History Car insurance is the most widely purchased type of insurance coverage. Nearly anywhere you go in the world automobile drivers are required to possess car insurance. In 1930 the law for having Car Insurance was brought in by the government. It required every person using a vehicle on the road in the UK to have a minimum of third party car insurance. Today in the UK you are required to have car insurance under the law defined by The road Traffic Act 1988 (last modified in 1991) therefore a car insurance certificate is a very important legal document. It is an offence to drive your car, or allow others to drive it, without at least third party insurance whilst on the public highway. Car Insurance & Car Tax You cannot tax or drive your car without a car insurance certificate. And it is a criminal offence not to have car tax. Most motorists in the UK are required to prominently display a vehicle license (tax disc) on their vehicle when it is kept or driven on public roads. In order to get your car taxed you need car insurance. So before the post office is able to issue the car tax to you they will need to see your car insurance certificate and MOT. You can be fined and/or be sent to prison if you do not have car insurance as not having car insurance is breaking the law. Searching For Car Insurance There are lots of car insurance companies to choose from to get your insurance and it is advised to shop around getting quotes from at least 6 to 7 different car insurance companies first before you make your choice. When you have chosen your car insurance policy a cover note will usually be sent first whilst the insurance company sets up your policy. Once the full payment has been received, you will get your car insurance certificate and car insurance policy booklet. Your car insurance policy booklet will provide the full details of what is, and is not covered in your policy. Car Insurance Certificate The car insurance certificate must contain the vehicle registration number, the policy holder's name and address, the start date of cover, and the date of the insurance policy expiry. Any restrictions or limitations will also be included in this. It will also give you a list of any other vehicles you are entitled to drive. The Motor Insurer’s Bureau (MIB) was set up to compensate injured victims of motor accidents. In a case of the other party in an accident being uninsured or untraced, the MIB can help with compensation. This is funded by a levy on car insurance companies’ premiums. Comprehensive Car Insurance Facts To get cover that gives you full risk cover on your car you need to get Comprehensive cover which means, in simple terms, that you can claim for any damage caused to your vehicle by any means, apart from exclusions that may be found in the small print of the car insurance companies policy. With comprehensive car insurance cover in addition to allowing you to claim for the damage caused to your car in an accident, you can also claim for other accidental damage to your car which does not involve a crash, also acts of vandalism and theft involving your car. Glass cover or windscreen cover is also included in comprehensive car insurance. Your insurance company may have an arrangement with a specialist glass firm that they think is reputable and you will probably pay less for using any of the specialist companies they recommend. Using your insurance companies Specialist Company will probably mean you only pay the excess, which is usually around £60.00. Although if you only have a small crack or chip in the windscreen, you can normally get it repaired for free and there should be no excess. Making a claim on your windscreen cover should have no effect on your 'no claims bonus'. Always be aware that no car insurance policy will cover you for every single thing. Comprehensive insurance is at times a bit misleading and can give a false impression that you are covered for every possibility. It is good to check with different insurance companies what exclusions they may have and always check your car insurance policy, you will find exclusions in the small print relating to your excess, such as mechanical, electrical and breakdowns. Car Insurance Excess With regards to the excess on your insurance policy, this must be paid no matter whose fault it may be, whether your car is just mildly scratched or totally written off. You have to pay this as you are entered into a contract with the car insurance company. However, if it is not you that is in fault, you will be able to claim your excess back from the other person's insurance company. Temporary car hire is usually part of being comprehensively insured so if for any reason you are unable to use your car then most car insurance companies will provide you with a hire car whilst it is being repaired. Some comprehensive car insurance companies’ policies also may allow you to drive other people’s cars. But this varies between car insurance companies. Car Insurance Excess Payments An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair "garage" (The term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" ("write off" is commonly used in motor insurance to describe a vehicle which is cheaper to replace than to repair), the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you. If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company. If the other driver is uninsured, a policy's minimum limits include coverage for the uninsured/underinsured motorist(s) at fault. "excess is the portion of any claim that is not covered by the insurance provider. Car Insurance Compulsory Excess A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses vary according to your personal details, driving record and insurance company. Car Insurance Voluntary Excess In order to reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer is able to offer you
Car Insurance History
Car insurance is the most widely purchased type of insurance coverage. Nearly anywhere you go in the world automobile drivers are required to possess car insurance.
In 1930 the law for having Car Insurance was brought in by the government. It required every person using a vehicle on the road in the UK to have a minimum of third party car insurance.
Today in the UK you are required to have car insurance under the law defined by The road Traffic Act 1988 (last modified in 1991) therefore a car insurance certificate is a very important legal document. It is an offence to drive your car, or allow others to drive it, without at least third party insurance whilst on the public highway.
Car Insurance & Car Tax
You cannot tax or drive your car without a car insurance certificate. And it is a criminal offence not to have car tax. Most motorists in the UK are required to prominently display a vehicle license (tax disc) on their vehicle when it is kept or driven on public roads.
In order to get your car taxed you need car insurance. So before the post office is able to issue the car tax to you they will need to see your car insurance certificate and MOT. You can be fined and/or be sent to prison if you do not have car insurance as not having car insurance is breaking the law.
Searching For Car Insurance
There are lots of car insurance companies to choose from to get your insurance and it is advised to shop around getting quotes from at least 6 to 7 different car insurance companies first before you make your choice. When you have chosen your car insurance policy a cover note will usually be sent first whilst the insurance company sets up your policy. Once the full payment has been received, you will get your car insurance certificate and car insurance policy booklet. Your car insurance policy booklet will provide the full details of what is, and is not covered in your policy.
Car Insurance Certificate
The car insurance certificate must contain the vehicle registration number, the policy holder's name and address, the start date of cover, and the date of the insurance policy expiry. Any restrictions or limitations will also be included in this. It will also give you a list of any other vehicles you are entitled to drive.
The Motor Insurer’s Bureau (MIB) was set up to compensate injured victims of motor accidents. In a case of the other party in an accident being uninsured or untraced, the MIB can help with compensation. This is funded by a levy on car insurance companies’ premiums.
Comprehensive Car Insurance Facts
To get cover that gives you full risk cover on your car you need to get Comprehensive cover which means, in simple terms, that you can claim for any damage caused to your vehicle by any means, apart from exclusions that may be found in the small print of the car insurance companies policy.
With comprehensive car insurance cover in addition to allowing you to claim for the damage caused to your car in an accident, you can also claim for other accidental damage to your car which does not involve a crash, also acts of vandalism and theft involving your car.
Glass cover or windscreen cover is also included in comprehensive car insurance. Your insurance company may have an arrangement with a specialist glass firm that they think is reputable and you will probably pay less for using any of the specialist companies they recommend. Using your insurance companies Specialist Company will probably mean you only pay the excess, which is usually around £60.00. Although if you only have a small crack or chip in the windscreen, you can normally get it repaired for free and there should be no excess. Making a claim on your windscreen cover should have no effect on your 'no claims bonus'.
Always be aware that no car insurance policy will cover you for every single thing. Comprehensive insurance is at times a bit misleading and can give a false impression that you are covered for every possibility. It is good to check with different insurance companies what exclusions they may have and always check your car insurance policy, you will find exclusions in the small print relating to your excess, such as mechanical, electrical and breakdowns.
Car Insurance Excess
With regards to the excess on your insurance policy, this must be paid no matter whose fault it may be, whether your car is just mildly scratched or totally written off. You have to pay this as you are entered into a contract with the car insurance company. However, if it is not you that is in fault, you will be able to claim your excess back from the other person's insurance company.
Temporary car hire is usually part of being comprehensively insured so if for any reason you are unable to use your car then most car insurance companies will provide you with a hire car whilst it is being repaired.
Some comprehensive car insurance companies’ policies also may allow you to drive other people’s cars. But this varies between car insurance companies.
Car Insurance Excess Payments
An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair "garage" (The term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" ("write off" is commonly used in motor insurance to describe a vehicle which is cheaper to replace than to repair), the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.
If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company. If the other driver is uninsured, a policy's minimum limits include coverage for the uninsured/underinsured motorist(s) at fault.
"excess is the portion of any claim that is not covered by the insurance provider.
Car Insurance Compulsory Excess
A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses vary according to your personal details, driving record and insurance company.
Car Insurance Voluntary Excess
In order to reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer is able to offer you
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Asrecommended insurance offers car insurance via selected motor insurance providers to give you the best car insurance quotes to suit your needs. If you are looking for comprehensive or third party, fire & theft insurance then our providers can help. Get a car insurance quotation online or over the phone.