Motoring carries inherent risks and it is essential for anyone who owns and drives a vehicle on the public roads to have adequate insurance. Indeed it is a requirement by law that you should be covered at least for damage or injury caused to a third party by your vehicle. Most motorists go far beyond that and choose to have a fully comprehensive policy which protects their investment in their vehicle and their lifestyle in the event of an accident. A car can be expensive to repair and so can medical treatment so you really need the peace of mind that goes with adequate insurance. When it comes to a claim if it is not clear who was to blame then insurance companies have a way of sorting things out on “knock-for-knock “ basis.
A good comprehensive policy can be comprehensive indeed and enable you to replace a broken windscreen quickly, or if the worst should happen, ensure that you get your car repaired as new or receive a fair settlement in the event that repair is not possible or uneconomical. Many policies now give extra benefits such as a loan car if yours is off the road due to an accident and this is worth having for most people who rely on their car to get to work every day or take children to school.
If you can possibly afford it you should certainly consider a comprehensive policy, especially if your car is fairly new or you have to park in the road. If you’re looking for Cheap car insurance available in the UK or Ireland then the best way by far is to go online and check out a good comparative website which will pull all the relevant quotes in for you from many individual providers. All you need to do is fill out your personal details and information about your car just the once rather than having to do it again and again at different websites. (more...)