Car
Insurance Types
Third
Party Car Insurance
Car
Insurance Central would not recommend this type of insurance.
It only covers other peoples’ cars and property so if
your car gets stolen you will not get anything, spend the
extra and get Third Party Fire and Theft and a decent level
of cover.
Third Party Fire & Theft Car Insurance
Third
Party Fire and Theft is very popular with young drivers and
is used to cover cars that aren't really worth very much.
Car Insurance Central do not recommend this level of cover
for your mint condition Mercedes, but it will be fine for
your clapped out Fiesta. This type of insurance is also very
good if you are a convicted driver and want to keep the cost
of your insurance down.
Fully Comprehensive Car Insurance
Fully
Comp Car insurance is the best insurance that you can buy,
every insurer has different restrictions and features so check
to make sure you know what you can and can't do. Fully comp
car insurance doesn't mean that you are covered for everything.
Check with your insurance company if you have any special
requirements. Protected No Claims Bonus is usually only available
if you have over four years of NCB. This doesn't mean you
can have as many accidents as you like, you are usually restricted
to one and then you start to lose you NCB slowly. Some insurance
companies offer over 25s guaranteed NCB which does allow you
to have multiple car insurance claims with out it affecting
your NCB.
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