Private motor

 

Private Motor Insurance

 

Car insurance is compulsory. It is a criminal offence to drive without motor insurance.

 

There are three types of motor insurance.

 

·         Third party only cover

 

This is the minimum legal requirement and pays out for claims that other people make against you for damage or injury caused by your driving.

 

·         Third-party, fire and theft cover

 

In addition to third-party cover, you can claim for loss or damage to your own car as a result of fire or theft

 

·         Comprehensive cover

 

This gives you third-party fire and theft cover but also allows you to claim for damage to your own car. A number of additional benefits may also be provided :

 

·         Windscreen and glass cover

 

·         Cover for damaged or stolen personal belongings – this usually applies to items stolen from a locked boot or glove compartment.

 

·         Recovery service and emergency breakdown assistance

 

·         Replacement or hire car – the cost of this is covered if your own car is off the road as a result of an accident

 

·         Replacement lock cover, fire brigade charges

 

·         No-claims discount protection

 

·         Driver personal accident cover