Comparing and picking out a policy from lots of insurance
providers was made much easier with the help of this great site.
Lucy F, Bradford UK

Car Insurance Learning Centre

Whether you’re buying your first car insurance policy or you’ve carried car insurance for years, there is always something new to learn about insuring your automobiles. New products appear on the market, new requirements are issued and new methods of shopping for car insurance become available to consumers. Access to the internet has made shopping for car insurance faster and more convenient than ever. Here at our car insurance learning centre, you’ll find a collection of free resources that can direct your search for the most cost effective car insurance policy.

From the time you begin driving a car, you need car insurance to drive legally in the UK. However, many automobile owners need more than the basic automobile insurance required by law. When you shop for car insurance, you’ll discover that you have three levels of automobile protection to choose from, along with a host of specialist options that can augment the value of your policy. As you shop for a tailored policy that’s uniquely suited to your needs, use the resources in our learning centre to inform your search and consider our frequently asked insurance questions for further guidance.

Legal Requirements for Drivers

As a driver and a car owner, you have certain legal obligations when it comes to insuring your vehicle. The Road Traffic Act of 1988 established a minimum level of cover for all drivers in the UK. In order to operate a motor vehicle without incurring fines or penalty points, you must carry third party protection. Third party car insurance pays out to compensate drivers, motorists, or other members of the public — including passengers in your own vehicle — if you are deemed to be at fault for an accident that resulted in injuries or property damage.

If you own a business in the UK and you use a motor vehicle in the course of your operation, you must carry commercial vehicle insurance. A commercial vehicle may be a scooter, taxi, van or bus. Even an employee’s personal car must be covered by a commercial policy if your employee uses his or her car for work related purposes.

New drivers have specific restrictions in the UK. According to the Road Traffic Act, all newly qualified drivers must undergo a two-year probationary period after qualifying for their licence. During this time, your licence may be revoked if you exceed 6 penalty points. Because driving uninsured is a motoring offence, carrying car insurance is more important than ever for newly qualified drivers. Explore the articles in our learning centre for valuable advice on how to obtain the cheapest car insurance available to a new driver.

Insurance Options for Car Owners

As the car insurance industry grows more competitive, you’ll find that you have more providers and more products competing for your attention. Choosing the policy that’s best suited to your requirements can be a daunting task. With the objective, impartial articles in our car insurance learning centre, you have the information you need to make an educated choice about the type of auto cover that will offer you the greatest value at a premium you can afford.

In our learning centre, you’ll find resources that explain the features and benefits of the basic types of car insurance. Third party insurance, the minimum level of protection required by law, is compared to third party fire and theft and comprehensive insurance in order to clarify the features of each type of car coverage. If you’ve had difficulty choosing a policy because you have so many options available, our articles may assist you in narrowing down your choices.

In addition to the basic policies on the market, you’ll find that there are a number of specialist policies available to drivers in different car insurance groups. Policies for drivers, mature drivers, women motorists and convicted drivers may be purchased from providers that target these motorists. Multiple car policies allow you to combine your cover with other drivers in your household in order to save money and reduce the paperwork involved with insuring a vehicle.

To supplement your car insurance policy, you may buy optional add-ons, such as breakdown coverage, legal expenses protection and personal accident protection. Breakdown coverage pays out for the costs of towing and roadside repairs if your car breaks down on the motorways or roads. Legal expenses cover pays out for the costs of hiring a solicitor to pursue compensation for damages related to your automobile. Personal accident protection covers the physical consequences of an accident if you are seriously injured.

We encourage you to review the articles in our car insurance learning centre to learn more about your options as a driver. Car insurance policies range from very cheap and basic to costly and extensive. In order to obtain the most value for your money, use our articles to make an informed decision about this essential financial product.

Driving Licence

Driving Licence Basics

Understanding driving licence basics helps you go about the necessary procedures to drive legally in the UK. Once you know when you qualify read more…

Driving Licence Point System

Driving licence point system in the UK is a way to track the performance of motorists and any offences they have committed behind the wheel. read more…

Finding a Drivers Licensing Center

Before you buy a car insurance policy, you need to apply for a provisional licence, replace a lost or stolen licence, register a vehicle read more…

How to Renew Your Drivers Licence

You may renew your drivers licence by post, online or at a local office of the Driver and Vehicle Licensing Agency, or DVLA. Application read more…

Driving Tips

Driving at Night

Many car insurance claims are made as a result of accidents that occur at night and are trouble for anyone who wants to lower their insurance read more…

Driving in Severe Winter Weather

Like driving at night, winter is one of the most hazardous times for drivers to be on the road, and many accidents occur in the winter months read more…

Safe Driving in the Rain

The hazards of wet weather can increase your risk for an auto accident, even if you are an exceptional driver. Rain leaves roads slick just read more…

Embarking on Long Trips

A long car trip can be a much more pleasant experience if you take time to prepare the vehicle, make sure your licenses are in order, and read more…

Insurance Basics

Choosing Parameters of a Policy

The parameters of a car insurance policy may be very limited, covering only the most basic, legally compulsory requirements. Conversely, read more…

Finding the Cheapest Coverage Type

Finding cheap automobile cover that covers all necessities can make a significant difference in the cost of owning a car. However, the read more…

Learning to Drive in Different Countries

Learning to drive in different countries can be both challenging and rewarding. In addition to learning new traffic laws and coping with read more…

Insurance Covering All Necessities

Saving money is a priority for many automobile owners when purchasing car insurance, but making sure that your insurance covers all of your read more…

Insurance Costs

Finding Car Insurance Quotes Online

The convenience and speed of online technology have made it easier than ever to find car insurance quotes. Whilst many car insurance comparison read more…

Lowering Your Car Insurance Costs

Reliable car insurance needn’t be expensive. Automobile owners can easily lower their costs by taking steps to make their vehicles more read more…

Keeping Up Appearances

Common Hazards for Cars Interior

The interior of a car can suffer a great deal of wear and tear, especially if you’re a busy commuter often driving in the rain or the parent read more…

Keeping a Car Looking Great

A car can be much more than a source of transport. For many automobile owners, a car is also a source of pride and an expression of personal read more…

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