| Car Insurance is not so much for protecting you, | | | | provided by a regulated car insurance company or |
| it is to protect other motorists, the public and | | | | deposit a large sum of money with your local |
| other parties property in case you cause harm or | | | | county court. |
| damage to them. They can then claim any costs | | | | The latter option being pretty unrealistic seeing as |
| from your insurer. As you can imagine, it would | | | | most of us don’t have tens of thousands of |
| be grossly unfair if you crashed in to | | | | pounds to permanently deposit and it is also quite |
| somebody’s house and they had to pay for | | | | risky because if the amount you have deposited |
| the repairs. | | | | doesn’t cover the cost of any claims made |
| Having liability insurance is the minimum type of | | | | against you then you are personally liable for the |
| insurance you need by law to drive legally and is | | | | remainder of the claim, meaning you would have |
| called Third Party Insurance. | | | | to sell your possessions to cover the cost, even |
| Car Insurance becomes more expensive when | | | | your house if you own one. |
| you start insuring your own vehicle at the same | | | | This is why most of us go with a car insurance |
| time. Insuring your vehicle comes in two forms of | | | | policy. Although it is expensive it is much more |
| cover. One is known as Third Party Fire and | | | | economical and provides greater cover. You will |
| Theft, which covers you if your car is broken in | | | | find that any reputable insurer will provide personal |
| to or vandalised. The other type of cover is called | | | | liability cover to £20 million pounds as standard. |
| Comprehensive. This is the most common type | | | | This is pretty good value for money considering |
| of car insurance bought because it also gives you | | | | that to buy the cover only costs a few hundred |
| complete cover for your car. So, even if you | | | | pounds. |
| cause an accident and damage your car, your | | | | This article is written by Chris Waters who |
| insurer will still pay for the repairs to your vehicle | | | | occasionally contributes articles to Zen Car |
| as well as for the third party. | | | | Insurance; an online service which provides Car |
| Car Insurance became a legal requirement in the | | | | Insurance Guides and a Car Insurance Quotes |
| United Kingdom from 1930. The law on it was | | | | comparison service. He also contributes to the |
| tightened further in the late 1980’s when the | | | | Zen Car Insurance Blog on a weekly basis giving |
| Road Traffic Act of 1988 was published. The rule | | | | his views on the latest happenings in the car |
| states that any driver, whether you own the | | | | insurance market. |
| vehicle or not, must have either have insurance | | | | |