| What
car insurance cover to go for? |
Consider
Third-Party only
for very low value cars.
Fully Comprehensive insurance
is advisable to be sure of retaining the value of the
car if the worst happens. It is a must if is there is
a loan or credit arrangement current for purchase of
the car. |
The
Premium or cost of the insurance will be affected by
the car type and
specification and the driver's
personal circumstances.
Car type and specification
includes PERFORMANCE, make,
model, age, value etc. Insurance groups
categorize cars. Categories range from Group
1 for such as a Fiat
Panda through to Group
20 for a Porsche
911.
Driver's personal
circumstances include AGE,
DRIVING HISTORY, occupation, health, use of car,
postal address etc.
No-Claims Bonuses
reduce the cost of a premium for claim-free years of
driving.
Excess Payment
clauses are often part of a policy requiring the
insured to pay the first part of a claim, typically
around £100. |
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