UK law requires motorists to be covered by at least third party car insurance, this is the minimum level of insurance on offer. It covers any injury, death or damage you cause to a third party including damage to their vehicle or property in the event of an accident. This means that a third party will not be left out of pocket for something that wasn’t their fault. If you damage your own car at the same time you will have to bear the cost of the repairs yourself.
If your car is damaged due to a fire or theft you are not covered if you only have third party insurance. Third party fire and theft will cover you in these instances, however, third party fire and theft does not cover damage to your car if you are involved in an accident whether it was your fault or not. If the accident was caused by the other driver, you can try to claim from their insurer for any damages to your car.
Why the cheapest option isn’t always the best option
There’s no denying the cost of third party insurance used to make it a viable option, however over the past few years, as premiums have levelled out somewhat, the difference in cost between third party and comprehensive level of cover has become much less. Couple that with the fact you could end up paying for any repairs or damage and the potential savings seem hardly worth it.
If you use your car to get to and from work you need to consider what you would do in the event of a problem taking your car off the road, would the cost of repair be manageable or even worth it?
Comparing the types of cover
When choosing car insurance, you should always take a moment to compare the cost of third party, third party fire and theft and fully comprehensive. If you choose fully comprehensive the cost of damage and repairs to your car are covered even if they were your fault. You will have to pay an excess in order to claim, however the cost of this is often much less than having to pay for repairs yourself. It’s therefore important to weigh up all the available options before choosing your level of cover.
If you are purchasing a car and would like to keep your premiums down it’s a good idea to check which insurance group it falls into. The cars in the lower groups present less of a risk to insurers and therefore have lower premiums.
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# Free MOT Terms & Conditions
1. Only purchases that originate directly from the Kwik Fit Insurance Services website (www.kwik-fitinsurance.co.uk), Compare the Market and GoCompare comparison websites will be eligible for the offer, any purchases through other price comparison websites are excluded.
2. Kwik Fit Insurance Services may, in exceptional circumstances, withdraw or amend this offer at its discretion. In this event, Kwik Fit Insurance Services will provide all qualifying customers reasonable advance notice via email/letter, and will endeavour to provide an alternative offer of the same value.
3. Is not transferrable. Entitles only the named Kwik Fit Insurance Services policy holder to one free MOT test for the vehicle insured through us.
4. Free MOT test available at Kwik Fit MOT centres only. Kwik Fit have over 500 MOT Test centres. To locate your nearest Kwik Fit MOT centre please click here.
5. The MOT must be booked online at www.kwik-fit.com, selecting any participating Kwik Fit MOT centre on a date and time that is available.
6. Valid for 12 months from the date of inception of your insurance policy subject to point 1 above.
7. Only one MOT test is free. Any re-tests or repairs in connection with the MOT must be paid by you.
8. Cannot be used in conjunction with any other offer or voucher.
9. No cash alternative available.
10. Is not valid in Northern Ireland.
11. Can only be used for privately owned vehicles.
12. Cancellation and deferral terms and conditions apply to the MOT booking facility. See www.kwik-fit.com for further details.