Car Insurance - Click Cars Car Insurance Information

Car Insurance and Policy Types:

Car insurance protects you against liability in the event of accidents caused by yourself and/or third parties.

Why do I need motor insurance?
Every motorist needs at least third party motor insurance to make sure financial compensation is available to cover any injuries caused to other people or damage to other people's property.

Third party and/or with fire and theft covers:

Loss of, theft or damage to your car.
Third party fire and theft car insurance cover applies for loss or damage caused directly by fire, lightening, explosion, theft or attempted theft.

Pay for your car to be repaired;
Replace your car; or
Pay you a cash amount equal to the loss or damage

Comprehensive cover:

The most inclusive type of UK car insurance policies, offering extra cover for windscreen damage, car audio equipment, personal belongings and personal accident cover. Fully comprehensive insurance policies will help you if you cause accidental damage to your own car as well as provide cover for loss or damage to personal possessions up to a pre-determined limit. Usually you will also be covered for medical expenses up to a specified amount and personal accident cover will pay out benefits if the policyholder is killed or disabled in a car accident.

As insurance is priced according to the likelihood of the driver making a claim, a lot of information can be asked for when applying for insurance. Commonly, this will include:

The vehicle details;
What the vehicle will be used for;
Where the vehicle will be kept;
The ages and occupations of the people who will be driving the vehicle;
Any penalty points on your licence or convictions for driving offences;
Any no-claims bonus and how long you have been driving for; and
Any recent insurance claims.