If you want to drive legally in the UK, you must have insurance. Even though this can be expensive depending on your situation, the law says you have to do it. So, if you want to be smart with your money, you should do everything you can to make sure you have the cheapest car insurance possible.
You can find the cheapest car insurance by going online to a website for a car broker. In a short amount of time, you can get quotes for coverage that are much cheaper than what you could probably find on your own. But before you can get quotes, you need to decide what kind of insurance you want. When it comes to car insurance, there are three main types: third party only, third party fire and theft, and fully comprehensive.
Fully comprehensive insurance is the most expensive, but you need it if your car is new or worth more than a certain amount, usually GBP4,000-5,000. Fully comprehensive insurance protects you against things like fire and theft, and it also lets other people sue you if you're in an accident. It also pays for your medical bills if you get hurt in an accident or lose your personal belongings. However, policies vary, so you should always read the fine print to find out what your policy actually covers.
Third-party fire and theft insurance will protect your car from being stolen and from fire damage. It will also protect you if someone makes a claim against you in an accident. If you get into an accident, third party only insurance is the cheapest type of insurance because it only covers other people. Any damage you do to your car, on the other hand, will not be covered, so you will have to pay for any repairs yourself.
