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Car Insurance - Comprehensive v Third Party,
which one's best for you?
Looking for
car insurance cover? QuoteMart wants to help find the best
policy for you.
Not content with asking one car insurance company, we will check a range of car
insurance companies, looking for competitive car insurance deals that provide
the level of cover that you need.
Of course, there are a variety of levels of protection that you can take out
from a car insurance company.
The UK's statutory legal minimum car insurance requirement is for third party
cover, so if you want to get on the road you'll need to have some degree of car
insurance policy in place.
Alternatively, you may decide that you would like your car insurance to protect
you from the theft of your vehicle, in which case third party, fire and theft
car insurance could offer the best deal for you.
Or you may want to take out fuller cover for your vehicle, by getting a car insurance
quote for fully comprehensive car insurance cover.
Whatever your needs, QuoteMart aims to help you find online car insurance deals
that give you high-quality cover at low prices.
Types
of car cover available :
Third
Party Only (also known as TPO)
This
is the most basic form of insurance and provides the following:
Liability
cover for Third Parties (Injuries to Third Parties and Damage
to Third Party Property).
Liability
cover for Passengers (For the damage they cause, as a Third
Party)
Liability
cover for Trailers
Legal
Expenses
Foreign
Travel Cover
Emergency
Treatment
Third
Party Fire & Theft (also known as TPFT)
This
form of cover includes all of the benefits above and the following:
Cover
for Fire, Lightning, Explosion, Theft, Attempted Theft, Taking
without consent.
Cover
for Accessories, fitted onto the car, or, stored in the garage.
Towing
Storage
Delivery
after repair
Fully Comprehensive
(also known as Comp)
This
form of cover includes all of the benefits above and the following:
Cover
for Storm, Flood, Vandalism, Malicious Damage, Accidental Damage
Variable
Excesses dependent on choice and/or age of driver
Personal
Effects Cover of £100 (except cash)
Medical
Expenses Cover of £200 (for anyone in the insured car)
Death
or Injury Cover of £5000 (Only for the regular driver
and/or spouse in any private motor vehicle)
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