Purchasing Car Insurance

06 December 2010 - Which Way To Pay

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Purchasing Car Insurance

Car Insurance is one of those things which if you own a car is absolutely necessary to have. For most people, after the cost of their house their car is the next most expensive thing which they own so even though the law requires you to have car insurance it is also in your interest to do so.

First of all it is worth considering the difference between third party and fully comprehensive car insurance. Most people make this decision based on the value of their car.

If your car isnít worth very much it may not be worth insuring it against damages.

Third party is the minimum cover you can buy and it only covers damage or injury to other people and their property, caused by you. You will have to meet the cost of damage to your own car.

Third party, fire and theft (TPFT) cover is like third party, but you are covered if your car is lost in a fire or is stolen.

This is particularly suitable for young drivers and drivers of older cars that aren't worth much. Comprehensive cover includes damage to your own vehicle as well.

Consider this when purchasing car insurance and make sure you shop around. The mileage and age of the car may affect the cost of the insurance as will the age and sex of the driver.



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