Guide to Car 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.

---

Google News Updated : Sun, 20 Jul 2008 00:45:55 GMT Aybar's triple caps Halos' rally over Sox - MLB.com Canoe.ca Aybar's triple caps Halos' rally over Sox MLB.com - 1 hour ago By Rhett Bollinger / MLB.com ANAHEIM -- Pinch-hitter Erick Aybar hit a three-run triple in the seventh inning, Vladimir Guerrero blasted a solo home run and left-hander Joe Saunders pitched 6 2/3 strong innings to lift the Angels to a 4-2 win over the ... Aybar's three-run triple sends streaking Halos over BoSox Sports Network Aybar's bases-clearing triple sparks Angels The Associated Press Rotoworld.com - Press-Enterprise - Boston Globe - United Press International all 506 news articles Publ.Date : Sat, 19 Jul 2008 22:52:04 GMT McCain Co-Chairman, Under Fire, Steps Aside - New York Times ABC News McCain Co-Chairman, Under Fire, Steps Aside New York Times - 9 hours ago Carolyn Kaster/AP At a town-hall-style meeting Friday on energy, John McCain found himself questioned instead on his wartime positions. McCain Takes on the 'Cable Monster' and an 'Extreme' Obama Washington Post Gramm Out as McCain Co-Chair; Obama Reacts FOXNews The Associated Press - Dallas Morning News - Reuters - Boston Globe all 947 news articles Publ.Date : Sat, 19 Jul 2008 14:45:59 GMT US banks ask SEC to expand stock trade protection - Reuters Wall Street Journal US banks ask SEC to expand stock trade protection Reuters - 7 hours ago By John Poirier WASHINGTON (Reuters) - An emergency move by US securities regulators this week aimed at curbing manipulative short-selling in some major financial firms should be expanded to all publicly traded banks, or it could erode confidence in ... SEC Short-Sale Rule Gets Negative Reviews Wall Street Journal SEC Spares Market Makers From `Naked-Short' Sales Ban (Update1) Bloomberg Forbes - MarketWatch - Taipei Times - New York Times all 582 news articles Publ.Date : Sat, 19 Jul 2008 17:02:49 GMT Growth ahead for more diversified game industry - Reuters Telegraph.co.uk Growth ahead for more diversified game industry Reuters - Jul 18, 2008 By Kiyoshi Takenaka - Analysis LOS ANGELES (Reuters) - The video game industry looks set for at least another year or two of strong growth, driven by geographical expansion, a strong hardware lineup and growing pool of casual gamers, ... Nintendo Wii Tops for Console Sales in June DailyTech Sony's press conference at E3 was a dazzling hi-tech showcase BBC News Shacknews - X-bit Labs - New York Times - Wired News all 1,145 news articles Publ.Date : Fri, 18 Jul 2008 12:07:32 GMT What's the best Oscar strategy for Heath Ledger in 'The Dark Knight'? - Los Angeles Times Times Online What's the best Oscar strategy for Heath Ledger in 'The Dark Knight'? Los Angeles Times - 1 hour ago That's a tricky Oscar question. On one hand you might think Heath Ledger should go supporting because, technically speaking, "The Dark Knight" is a film about Batman. Heath is where the heart is The Observer 'Dark Knight' sets box office record with $66.4M The Associated Press YourHub.com - New York Daily News - Chicago Tribune - OpEdNews all 3,291 news articles Publ.Date : Sat, 19 Jul 2008 23:18:18 GMT Panel Finds Misconduct By Fusion Researcher - Washington Post Los Angeles Times Panel Finds Misconduct By Fusion Researcher Washington Post - 18 hours ago INDIANAPOLIS -- A Purdue University panel has found two instances of misconduct by a researcher who says he produced nuclear fusion in tabletop experiments. Purdue physicist found guilty of misconduct Los Angeles Times Details of what Purdue's investigation found Journal and Courier Chicago Tribune - RedOrbit - Newsweek all 157 news articles Publ.Date : Sat, 19 Jul 2008 05:47:31 GMT Venture Funding Drops for Youngest Companies As Older Ones Suck Up ... - New York Times Boston Globe Venture Funding Drops for Youngest Companies As Older Ones Suck Up ... New York Times - 1 hour ago By Abha Bhattarai In an ominous sign for Silicon Valley’s entrepreneurial machine, venture capital firms are cutting back on their investments in companies at their earliest stage of development and being forced to provide extra funding for later-stage ... VC Deals In Charts (Q2 2008)?Exits? We Don't Need No Stinkin' Exits? Washington Post Venture investments in state total $77.6 million so far in '08 Detroit Free Press CNET News - The Associated Press - MarketWatch - RTT News all 195 news articles Publ.Date : Sat, 19 Jul 2008 22:54:52 GMT Clickbank Earn Money With Surveys

PARLOT::Ebooks, Scripts, Websites, and more...

Adsense websites

7 Tips Toward Helping You Reduce Your Insurance Costs

Not a year goes by that insurance rates go up.... Read More

Life Insurance Benefits

Life Insurance is a legal contract between you and a... Read More

Insurance Adjusters How They Work And How They Think

Here comes the insurance adjuster. Is he overly friendly? If... Read More

Is Purchasing Travel Insurance Smart?

To answer the question "is purchasing travel insurance smart?" let's... Read More

Avoiding The Potholes Of Car Insurance

Car Insurance is an issue that we all of face... Read More

How Do I Calculate How Much Life Insurance I Need?

Life insurance protects you and your family from economic hardship... Read More

Individual or Family Health Insurance Options

As more and more individuals working at home with or... Read More

Long Term Care Insurance

Long Term Care Insurance is needed in the event that... Read More

Is Your Financial Security at Risk?

The topic of insurance is not sexy by any means.... Read More

Health Savings Account (HSA): Do I Lose It At the End of Each Year?

The Health Savings Account (HSA) is an amazing tool to... Read More

How to Match the Right Insurance Policy to the 4 Stages of Life

As we go through life our needs change. A Young... Read More

Types of Auto Insurance Coverage Explained

A question you might ask yourself is: why must we... Read More

All Auto Insurance is Not Created Equal!

Contrary to what you may have heard all auto insurance... Read More

Car Insurance Advice for Young Drivers in the UK

Over the course of the last ten years, car insurance... Read More

Health Insurance And Insurance Brokers

If you are in the market to purchase your own... Read More

Motor Insurance with Pass Plus

Is pass plus really worth it? What motor insurance discounts... Read More

Life Insurance Whole Life or Term Life - Find Affordable Life Insurance

Life insurance, whether you need term or whole life, can... Read More

Gain An Advantage Over Your Competition By Controlling The Cost Of Your Health Insurance

As many of us expect, the New Year will bring... Read More

What Price For Your Health?

How do you put a value good health? For many... Read More

Check Out The Variety of Auto Insurance Texas Style

They say everything is bigger and better in Texas, and... Read More

Life Insurance: Why Theres No Need to be a Desperate Housewife

Life insurance looks set to make a comeback in the... Read More

Car Insurance Gearing up to Drive Down Costs

For once finances seem to be going in favour of... Read More

Long Term Care and Long Term Care Insurance

A person might need long term care (LTC) if he/she... Read More

Tips For Lowering Your Auto Insurance Quote

Do you have many claims? If so, you should do... Read More

Affordable Insurance Quotes To Save You Money!

Whether you're looking for insurance quotes for auto, life, travel... Read More