Cheap Motor Insurance

It is important to understand it is a legal requirement for all drivers to be adequately covered. Under the Road Traffic Act it is an offence to drive your vehicle or allow others to drive it without motor insurance and give false statements or withhold information for the purposes of obtaining motor insurance.

There are considerable differences between third party and third party fire & theft motor insurance cover. If you are considering this type of motor insurance cover most private motorists appear to opt for third party fire & theft cover with the remainder choosing third party cover only which is probably the cheapest motor insurance you can buy.

What is Third Party Motor Insurance?

As the name suggests this will normally cover liability for injuries to other people, including passengers, damage to someone else's property, liability of passengers for accidents caused by them and liability arising from the use of a caravan or trailer, while attached to the motor car.

What is Third Party Fire and Theft Motor Insurance?

In addition to Third Party cover your motor car is also insured against theft and either loss or damage caused by fire.

A proportion of the public buy this type of insurance thinking it is cheap motor insurance! Please always remember to examine your motor insurance policy wordings carefully and check with individual insurers as there maybe excesses (the amount you automatically pay in the event of a claim), and any other conditions attached. All motor insurance policies require your vehicle to be in a roadworthy condition and you must inform your insurance provider of any changes such as address, occupation, type of motor car and motoring convictions during the lifetime of the motor insurance policy.

Once you have purchased your motor insurance you can usually expect to receive three documents. Initially a cover note, which acts as a temporary certificate until you receive the actual certificate itself. These are evidence of motor insurance as required by the Road Traffic Act. And then finally the motor insurance policy document. As previously stated it is vital that motor insurance policy documents are read very carefully as they set out the terms and conditions of your policy. Some insurers now offer these documents online allowing customers to print them out from their home computers.