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Are you paying too much for your car insurance? If so, simply find
the car insurer that best matches your profile using the
Insurance Quote finder or get an online insurance quote direct from the top
companies
listed on the right of this page.
Alternatively, read our insurance information guide
below and make sure you’re adequately covered, or visit the information
sections to discover where to find competitive car insurance for sports
cars, modified, customised, kit cars, vintage, high performance,
American and imported cars. You can even find the right insurance cover
if you are a student, young driver, women driver or an older driver over 50.
Car Insurance Guide
Unlike most insurances car insurance is a legal requirement
if you intend to use a vehicle on public roads in the UK. There
are three basic levels of cover available. The minimum
level of car cover offered by some insurance companies is third
party, followed by third party fire and theft and comprehensive
cover.
Who Is Covered?
This is dependant according to who is driving the car.
Generally the vehicle owner is the policyholder and anybody else driving
the car is classed as an “additional” or “main
driver”.
Car insurance policies generally run for 1 year although
some insurers will offer the option of paying the premium
monthly,
quarterly
or annually. All premiums are subject to a levy imposed
by the Government of 5% which is known as the Insurance Premium
Tax.
With over 20 million vehicles present on UK roads, selling
car insurance is big business with supermarkets such as
Tesco and
Sainsbury and even utilities such as the Post Office offering
branded products. This is very good news for the consumer
because competition is very fierce which means the traditional
insurance
companies such as Direct Line, and brokers, are becoming
more and more innovative in order to attract new customers. One
example
of this is the targeting of niche segments of the market
such as young drivers, women drivers and the classic car by
some insurance companies
and brokers.
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