Insurance

Insurance - All The Information You Need On Insurance

Guide To Car Insurance


Insurance

Here is a useful guide to car insurance. Buying car or motor insurance is important as it is legally enforced in the UK . You are required by law to have a policy to cover your liability to other road users.

Car Insurance protects motorists and drivers against liability in the event of accidents they may cause. It can also provide cover for the motorist's own vehicle. If you are the cause of an accident the car insurance company will pay your liability to other people involved in the accident.

Car insurance is a contract between you and the insurer, specifying each party's rights and obligations. Essentially the car insurance company promises to provide specific coverage for you in return for your payment of the car insurance premium.

Many different types of car insurance cover are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party's property, but does not provide any cover for the individual's own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties.

The basic legal requirement is Third Party Fire and Theft but this will not cover you for most things that can happen to your car.

The two main types of car insurance available in the UK are:

Third Party Fire & Theft Insurance which covers the following:

Liabilities for injuries to other people, including passengers

Liability for damage to other people's property

Liability of passengers for accidents caused by them

Liability of fire and theft

Fully Comprehensive Insurance which covers the following:

Liabilities for injuries to other people, including passengers

Liability for damage to other people's property

Liability of passengers for accidents caused by them

Accidental damage to your own car excluding any excess

A personal accident benefit

Medical expenses up to a stated limit

Loss or damage to personal effects in the car, up to a stated limit

You may freely reprint this article provided the author's biography remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.







Car Insurance Rates   |   Dental Insurance   |   Health Insurance   |   Home Owner Insurance   |   Life Insurance Quote



| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |











Insurance Claim - Medical Insights And Expenses
There's nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the "pain and suffering" you were forced to deal with.Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense's, including repairing your car, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.Plus, there's a long list of possible medical expenses. Fo...(related: Insurance)


Life Settlements, More Than A Cash Surrender Payout
With a life insurance settlement, seniors now have the ability to receive a payout larger than their cash surrender value. Life insurance companies have always had the advantage by offering a low cash surrender payout for unwanted or unneeded life insurance policies. Now however, senior consumers are using a life settlem...(related: Insurance)


The Ups And Downs Of Temporary Health Insurance
If you're a recent college graduate, or in between jobs, temporary health insurance may be just what you are looking for. As the name suggests, this short term health plan covers from one month up to a full year. And with a very inexpensive price tag, most consumers are thrilled to have finally found a viable health care option. While there are benefits with temporary health insurance, there are a few negative aspects as well.

Underwriting Life Insurance For Diabetics And Diabetic Life Insurance Information
Life Insurance Companies differ in their "underwriting philosophy" when it comes to diabetes. Offering life insurance for diabetics can be risky if the underwriters are not fully trained. Underwriters at the insurance companies that are fluent in underwriting diabetes have the ability to look at all of these factors and determine if the company will accept them as a risk. Moderately controlled diabetes cases would usually merit a "rating" or an increase in the premium, but not necesarily a declination for coverage. If the client with diabetes that is looking f...(related: Insurance)


Consequences Of Late Insurance Payments
Did you realize that it could cost you more than a late fee when you make your insurance payments late? That's right, not only will you incur a late fee in most cases but also you are jeopardizing your current coverage and possibly your future rates.Let's consider what is probably the worst-case consequence of making late insurance payments. If you cut it too close and s...(related: Insurance)


Insurance For All Your Gadgets
Personalisation, Digitalisation, Mobilisation, these 3 words represent your life today. Here in the 21st century our lives have become more and more reliant on mobile items. As we go through our days, keeping a mental log of everything we have and where we have it becomes more and more difficult. It is inevitable that some things get lost. In fact as stated in a recent research "Around 62,000 mobile phones were left in London taxis during the last six months. That's an average three phones per taxi, according to a survey of licensed London cabbies by the Taxi Newspaper and Pointsec Mobile Technologies. Absent minded and drunken tr...(related: Insurance)


Life Insurance Fears Post The London Bombings Tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed "quickly and sympathetically". This need for reassurance came in light of concerns that many victims of the blasts would not be covered by their existing health and life insurance cover. This would mean that families of the bombing victims could not only lose a relative, but also suffer financial hardship as life insurance companies refuse to pay out on policies.Standard Life, Axa-PPP and Norwich Union all announced that policy holders would be covered for events on the 7th July. Standard Life said that...(related: Insurance)


Home Insurance Rates In Northern Ireland
A recent survey took the most popular type of home in the UK, the three-bed semi, and compared the quotes given by insurance companies for different postcodes around the country. Northern Ireland came in top for buildings cover with an average of 119.The premiums are affected by such variables as the amount of subsidence in the area, and the size and rebuild costs of the house. Some policies were based on the number of bedrooms in the house, but there is also the issue of the cost of rebuilding, which vary due to local construction standards, the cost of labour and the availability and cost of materials. When buildings and contents cover are assed together for a three-bed semi all over the UK, the cheapest average is in Lisnaskea in Northern Ireland, which has ...(related: Insurance)


Finding California High Risk Truck Insurance
California high risk truck insuranceIf your are in need of California high risk truck insurance there's an easy way for you to find it. Fortunately with the advent of the internet and database development in the auto industry you shouldn't have any difficulty with C...(related: Insurance)


Disability Income Insurance Can Meet All Your Financial Needs
Disability income insurance can cover you in the event of a severe accident or illness but, it really depends on how much disability income ...(related: Insurance)






Google




Guide To Life Insurance Terms
Listed below is a useful guide to life insurance terms. It is a list of definitions of life insurance terms that may or may not be familiar to you.Accelerated Benefit ProvisionA provision in many new policies which will allow the policy owner to receive a portion of the death benefit early if the insured person is diagnosed with a terminal illness or permanently confined to a nursing home.Accidental Death BenefitA provision added to a policy that provides ...(related: Insurance)

Is Purchasing Travel Insurance Smart?
To answer the question "is purchasing travel insurance smart?" let's look at what insurance is.When you purchase insurance - health insurance, homeowner's insurance, car insurance, life insurance, or travel insurance - you're not making an investment. It's not the same as going to the bank and depositing money and expecting to reap financial rewards at some point. No, any insurance including travel insurance is about sharing risk in case of unforeseen catastrophic events.For thousands of years, risks have been shared during times of tragedy. The first formal insurance company, Lloyd's, was formed in 1769, and their insurance concept remains today - to gather the premiums of clients as a pool of resources to return to clients who experience covered events.Is purchasing ...(related: Insurance)

Affordable Life Insurance!
So, you've decided to purchase life insurance. Well then, you have made a good decision! If you have dependents, you know that you must provide for them long after you are gone. Buying life insurance shouldn't be a budget buster either. Take a look at the following options which can help you save big time!Shop Online: There are several companies that wil...(related: Insurance)

site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance