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Insurance
Insurance tips
Everyone who owns a vehicle wants low cost insurance for it. But also think anout the level of service you will receive, should that unwanted accident happen. You want to be sure that your insurance company to be helpfull, and provide a good level of service. Think about this before picking your insurance.
- Shop around theres many out there to pick from, dont just pick your 1st quote.
- Buying your insurance on-line can reduce the cost, on-line companys have lower overheads and this is genrally passed down to there prices.
- Fit approved alarms and immobilisers, doing this reduces your insurance costs.
- If you have a few vehicles, insure them with the same company. Some companys offer multi-car discounts.
Third party,fire and theft.
The minimum insurance cover you can buy is called 'third party only'. This covers you if you injure someone else or damage their property. However, very few companies will sell you this cover on its own.The next step up includes 'fire and theft', and this provides protection against loss and damage if your vehicle is burnt or stolen. However it will not protect you against damage to your vehicle if you're involved in an accident, or if it is vandalised.
Comprehensive insurance.
Comprehensive insurance covers damage to your vehicle from a wide range of causes, including accidents and fire and theft. Other benefits sometimes include limited cover for items stolen from your vehicle, medical expenses and personal accident protection.The word 'comprehensive' can be misleading however, as these policies always include limitations and exclusions.
Uninsured loss recovery (ulr)
This provides the policyholder with cover for legal expense costs to pay for a solicitor to pursue a guilty third party in order to recover your uninsured losses - policy excess, hire car charge, any other out of pocket expenses caused by the third party negligence - as well as costs to pursue a personal injury claim. ULR often provides cover for free 24 hr legal advice of a personal nature.It is especially useful for Third Party Fire & Theft policyholders and will attempt to recover not only the losses mentioned above, but also their vehicle damage costs (from a negligent third party.)
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