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Types Of Cover

It is common sense that you insure yourself to drive on the road, regardless of whether you see your self as an able driver or not, you can never be to sure about other drivers on the road. At one time, car insurance was an option for those who worry and risk takers would give it a miss, but fortunately for the innocent, those times are gone. The law states that everyone who drives a car, as a very minimum, needs to have some sort of car insurance, at the very least to cover somebody against damage or injury to themselves or their property should they be a third party to a collision where liability falls to you as the user of a vehicle. This has been law since 1930. The insurance company also has to ensure that anyone ensured by them possesses a car insurance certificate that is up to date. However, third party car insurance is only a starting point for car insurance; there are more wide-ranging cover options for you to understand about. This is so you can cover the monetary investment that you made, as well as covering any injury caused to other people.

The four basic cover types

1. The absolute bare minimum policy is called 'Act Only', and is so uncommon that it's hardly worth covering in any great detail. This covers only third party risks and only on public roads. The only time motorists may be happy to rely on them is if they were totally unable to get hold of any other form of cover, maybe for the reason that they have a poor driving record.

2. Third party insurance is the next step up from Act Only, and it aims to cover the person insured when they are driving on private as well as public property and roads. Legal liabilities are protected against, in addition to third party claims. Passenger indemnity is an example of the legal liabilities covered. So, if you are using a car, and one of your travelling companions happens to open your car's door and conveniently knocks a cyclist off their push bike, you are covered. It is also worth noting that you're covered for legal costs when you take out third party insurance

3. The next step up is third party fire and theft. Which is quit self explanatory in that it takes third party insurance protection, and then adds damage or loss to the insured's car that is caused by an attempted theft, or an actual theft, or through the process of fire. When you own an older car, which is not of a great enough value that they should be covered for every possible risk, this is a happy cheaper alternative to comprehensive cover.

4. It is near impossible to protect yourself against every eventuality, but should you wish to protect against as many as risk possibilities then fully comprehensive car insurance cover is the one for you. This is the widest cover available to you, adding accidental damage cover to the 3 policies above, and covering you in most circumstances of accident. Should policyholders' vehicles be damaged, they can get their vehicle repaired, even if it is not due to theft or fire. You can also include personal accident A2Z Insurance in this, where you can get payments should you suffer certain injuries like a loss of sight or a limb or maybe death. Should people sustain an injury in your car, you can also get some medical cover.