Car-Insurance-UK-Supermarket.co.uk
compare online quotes the easy way
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Car Insurance Third Party at the Car Insurance Supermarket- Also referred to as: Car Insurance Third Party, Fire and TheftThis category of motor insurance covers you when your vehicle is either stolen or it is damaged by fire. If you are responsible for damage to another vehicle or person(s), you are also covered to meet the cost of their losses. Injury to yourself or damage to your own vehicle is not covered when you choose car insurance third party. If you were not at fault, however, you would aim to claim these costs back from the insurance cover of the driver that caused the accident. While car insurance third party cover costs less and can be considered for an older vehicle of low value, comprehensive cover is a safer option, partly due to the high number of uninsured motorists in the UK. Even for an old vehicle, where 'writing off' the car is not a particular problem financially, car insurance third party can still confer some risk onto the driver and any passengers in the vehicle. As well as the lack of cover for damage to your own vehicle if the fault is with the insured driver, should an uninsurered motorist cause the accident, then the driver, and any others in your vehicle will not be covered for any losses. As there are over a million uninsured drivers in the UK, the latter scenario is not as unlikely an event as you may imagine. Even if you pride yourself on your safe driving, you never know what could be around the corner. Car insurance third party, then, even for an ancient car, carries some risk with it. Should you determine that car insurance third party remains right for you, you can select this option on most car insurance forms accessed via the 'direct' link above as an alternative to fully comprehensive cover. Generally, it works best if you go direct rather than via a price comparison site if you aim to purchase car insurance third party, fire and theft. This is because price comparison sites are set up to compare fully comprehensive quotes and mostly don't offer the option of car insurance third party cover. Do bear in mind, however, that a direct insurer's car insurance third party premium may well be more expensive than fully comprehensive cover from another insurance provider, particularly one identifed as the best of 1000s of prices via a price comparison service. Given that comprehensive cover, for the reasons outlined above, is a better choice, routine use of a price comparison site and ignoring any theoretical advantages of car insurance third party cover, is generally a good choice. |
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