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Understanding Car Insurance

Car insurance cover is pretty flexible, but you have to choose correctly and shop around in order to save yourself hundreds of pounds.

It is agreed by almost everyone that insuring your car can be a real pain. Hitting, seemingly by luck, the right combination of cheap car insurance with good policy coverage terms takes time and effort, but with some careful planning and investing time on the Internet or telephone, you can save lots of hard-earned cash.

There are two important things that you must get right in car insurance cover without cutting corners and trying to reduce the premium. You cannot lie. Do not forget to tell them about a speeding fine you had and do not lie about your age. If you have an accident the insurance company will check you from top to toe and may invalidate the insurance if they find that you didn't tell the whole truth.

You normally have three choices.
o Real cheap car insurance where you opt for the basic third-party only cover.
o For medium cost where you add protection against fire and theft.
o Splurge and opt for full comprehensive cover.

Third-party only cover
'Third-party only' is the most basic form of motor insurance that insurers are usually willing to sell. It protects other people if you happen to smash into them. Any damage to your own car that has been caused by your poor driving is not covered unless you can prove that someone else was at fault, in which case you will then have to claim from their insurance cover. If your car is destroyed in a fire or is stolen you will not be able to claim.

Third party, fire and theft cover
This adds in protection in case the car catches fire or is stolen. So if joy riders steal your car or set it on fire, you're covered for its cash value.

Fully comprehensive cover
Most people take out fully comprehensive car insurance, particularly on new vehicles because this means that no matter who was to blame in an accident your insurance company will pay out for the costs of repairs. Depending on how much your car is worth, this can be the best form of car insurance and, even though it will cost a little bit more, it will bring peace of mind. However, if you're more inclined towards driving old bangers around, fully comprehensive insurance is probably a waste of money.