According to UK law, your vehicle must have valid insurance coverage as long as it is on UK soil. This means that whether your vehicle is moving or packed in your home, you must have a valid insurance policy covering that vehicle.
This is very important because failure to have the complete insurance documents for your vehicle may lead to serious penalties. If authorities find out that your vehicle is not insured, your vehicle may be impounded and that would put you in serious trouble.
Requirements To Get A Valid Insurance For A Car
To get a valid insurance cover for your car, here are the requirements you need to meet before your car is insured:
1. Age
2. Occupation
3. Address
4. Details of any previous claims
5. Vehicle’s registration number
6. Vehicle’s age
7. Vehicle’s make and model.
8. Estimate of annual mileage
9. Where it will be kept overnight.
10. Previous vehicles
11. Purpose of vehicle
This information would be obtained from you when you proceed to get an insurance cover for your car. So, kindly have them handy with you when you are about to get your car insured.
Now that we’ve understood the requirements needed for getting your car insured in the UK. Let’s check out some types of car insurance coverage.
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Types Of Car Insurance Cover
Here are the types of car insurance coverage:
1. Third Party Cover
This insurance cover allows the insurance company to pay for any damage done to third-party vehicle damage, injuries, etc
2. Third Party, Fire & Theft
This insurance cover allows the insurance company to cover the insured vehicle against theft, attempted theft, and fire.
3. Comprehensive Cover
This insurance cover allows the insurance company to pay for eventualities that may arise in the usage of the vehicle.
FAQ
What are the 3 types of car insurance in the UK?
The three types of car insurance covered by many insurance companies in the UK are:
1. Third Party Insurance
2. Third Party Fire and Theft Insurance
3. Comprehensive Cover
What does third-party fire and theft insurance cover?
A Third-party fire and theft insurance covers damage made by third-party cars. Also, it covers any damage caused by fire or your vehicle stolen as a result of the accident or burglary. However, it is good to note that, if the damage is caused to your car by accident, the third-party fire and theft insurance does not cover that. It only covers the damage to the property of the third party.
What is the minimum insurance coverage in the UK?
The minimum insurance coverage in the UK is third-party insurance. This means that for the damage caused by an accident to the third party where you are involved, the insurance company pays for the damage caused to the third party’s property and not yours.
Should I get a third party or a third-party fire and theft?
You can get either one depending on how much premium you can pay monthly. However, the best insurance cover to go for is the comprehensive cover insurance cover. It allows enjoy cover when a third party’s vehicle or yours is affected in an accident. Although, it would cost you a few bucks compared to the third-party cover.
What is fully comprehensive car insurance?
Comprehensive car insurance covers any damage done to your car or a third party’s car in the course of an accident.
Conclusion
As you’ve seen in this post, your vehicle must have valid insurance coverage as long as it plays on UK soil. Whether the car belongs to you or not, moving or parked, you can still be held responsible for owning a car without proper insurance coverage. So, ensure that you use the information in this article to your own advantage.
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