But, do I need car insurance?

Yes. If you own a motor vehicle and intend to drive it on the road, it is a legal requirement that you have adequate car insurance. However, obtaining the right cover for you is not always an easy proposition because getting car insurance can be a time consuming and confusing process.

Types of car insurance

Firstly, you need to be aware of the major types of motor insurance that are currently available. You are able to get Third Party Fire & Theft cover, comprehensive car insurance cover and third party insurance. Third Party Fire & Theft covers you if other people claim against you for any injury or damage to their car, and if your car is stolen or it is damaged by fire. Fully comprehensive car insurance includes the cover provided by Third Party Fire & Theft as well as accidental damage and cover for medical expenses, personal accidents and belongings. Third party cover includes liability to third parties (in other words) claims made by third parties, against you, for bodily injury or damage to their car. These are general guidelines, therefore, you should always check in detail as to the exact cover that you are getting as different insurance providers may offer slightly differing levels of cover. Depending on your circumstances, you will want to make a determination based on what level of car insurance cover you will require.

Getting a cheap car insurance quote

It is likely that the cheapest car insurance deals are to be found on the Internet (as with most things). Whether getting insurance for the first time or trying to beat your current car insurance providers quote, most insurers will have online offers whereby you will get a percentage discount on your car insurance quote if you buy online. Getting a quote online is straightforward and a large benefit is that you can get quotes from an many car insurers as you wish until you are satisfied that you have the best price and most suitable type of insurance for your situation.