What Is Covered By Car Insurance?
There are three main types of car insurance cover in the UK:
- Third Party Only (TPO): This is the minimum level of cover required by law in the UK. It covers any damage or injury to other people, but it won’t cover any repairs you might need on your own vehicle. If you’re at fault in an accident, you’ll have to pay for the repair or replacement of your car yourself.
- Third Party, Fire and Theft (TPFT): This includes the same level of cover as TPO but also protects your car from damage caused by fire or theft. However, it won’t cover the costs if your car is damaged in other ways, for example, if you’re at fault in a collision.
- Comprehensive: This type of insurance, often referred to as “fully comp”, provides the broadest level of cover. In addition to the protection offered by TPFT, it’ll also pay out for any damage to your car, even if you were at fault. It might also include benefits like windscreen cover, personal accident cover, or cover for personal belongings in the car.
Addons Available For Your Car Insurance Policy
When purchasing car insurance, insurers often offer additional cover options or “add-ons” that can be included in a policy for an extra cost. These are designed to provide additional peace of mind and protection for policyholders.
When considering any of these add-ons, it’s essential to evaluate whether you genuinely need them and whether the cost justifies the potential benefit. It’s also a good practice to shop around and compare the costs and features of these add-ons among different insurers.