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Car insurance
provides protection against the financial loss caused as a
result of any one of a number of events as set out in the
terms and conditions of your car insurance policy.
Car insurance
comes in different forms and car insurance policy terms and
conditions can vary significantly from one car insurer to
the next.
Comprehensive
Car Insurance
Comprehensive
car insurance, as the name suggests, covers a wide range of
events to provide extensive protection including damage to
your own car. Comprehensive car insurance also usually
covers damage that may be caused to other property including
the property of others.
Comprehensive car insurance policies
do vary considerably, both in terms and conditions as well
as in price - so it is important to choose a comprehensive
car insurance carefully taking your individual needs into
account.
Third Party
Property Car Insurance
Third party
property insurance generally does not provide cover for loss
or damage to your own vehicle - but is designed as an
economical way to protect an insured person against
liability for damage that they may cause to others in
connection with the use and ownership of their car.
Third
party property damage insurance is generally considerably
cheaper than comprehensive car insurance.
Compulsory
Third Party Car Insurance
Compulsory
third party car insurance is generally a requirement of
registration of a motor vehicle and provides the insured
with indemnity against personal injuries caused to third
parties in connection with the use of a motor vehicle.
Car Insurance
Policy Excess
Car insurance
policy excess refers to the amount that an insured person
must contribute toward the cost of any car insurance claim
connected with a comprehensive or third party insurance
policy.
Car insurance policies generally include a
"standard" or "basic" policy excess plus additional excesses
applicable to younger or inexperienced drivers. Some car
insurance companies make it possible to reduce the car
insurance premium (the cost of purchasing the car insurance)
by voluntarily accepting a higher policy excess..
Car Insurance
Premiums
Car insurance
premium is the term used for the cost of a car insurance
policy over the term of the car insurance policy. Car
insurance premiums are usually expressed as a yearly (or
annual) car insurance premium.
Many car insurance companies
also offer monthly car insurance premiums allowing insured
persons to pay their premiums in smaller amounts on a more
regular basis thus spreading the car insurance premium costs
over the course of the year.
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