Car Insurance

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Getting Insurance for Your Car

If you have a vehicle, then having car insurance is absolutely vital if you want to drive a car without potentially facing a very large fine, or maybe even worse than that. You will find that insurance cover is provided if an accident occurs or in the event of theft or other unwanted or unforeseen circumstances. Proper Finance works with a number of leading car insurers in the UK and can help you to find the right insurer based on your individual circumstances. In this guide, we explain the basics that you will need to know about car insurance, as well as answering potential questions you may have regarding car insurance policies.

Why Is Car Insurance Necessary?

In many ways, the need for car insurance is fairly self-explanatory. Car insurance helps to protect not only you but your vehicle too, as well as any other people who could end up being implicated as a result of a road accident you could end up involved in. It helps to cover you when it comes to things such as financial compensation, as well as any potential damage to property, or injuries that have been sustained to drivers, pedestrians or other passengers.

In the UK, it is a legal requirement for a motorist to have car insurance in place. Under the Road Traffic Act 1988 that is stated, whereby you need to be insured to prevent against liability for others. This is applicable whether you drive a vehicle, van or a motorbike, with insurance being required under any of these circumstances.

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Are There Penalties for Driving Without Car Insurance?

Yes, there are absolutely penalties in place for driving without a car insurance policy in place! There are a number of different things that can end up occurring, for example, you could end up being fined, or even disqualified from driving completely. In terms of the maximum fine you could end up having to pay, the maximum in the UK is currently £5,000. You could also have penalty points added to your licence too, with this being between six and eight penalty points in total. Furthermore, the Road Safety Act of 2006 implements even harsher sentences for motorists who end up killing others or become implicated in an accident whilst driving without any car insurance in place.

In other situations, if you drive without car insurance the police may seize your vehicle. In some particular cases, the police could even destroy your vehicle if it is found out that it has been driven without car insurance. If your car ends up being seized you will find it can only be released through showing a valid car insurance certificate, as well a payment of a fixed penalty.

What Do You Need to Get a Quote?

Details of the car

The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made

No-claims discount (NCD) history

Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

What you'll use the car for

Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security

Your licence

The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here

Your details

Including your job, your age and your address

What Types of Car Insurance Are There?

Proper Finance works with car insurers who all provide different kinds of car insurance. This will be dependent on your individual needs as to which one you choose, but there are three main categories:

Third party car insurance: this is usually the lowest car insurance category cover that is needed under UK law. It means you are insured if you are implicated in an accident, or injure someone. It will also cover you for repairs or replacing someone else’s cover. However, it will not cover damage made to your car, which is worth taking into consideration, and also whether it is something you are comfortable with.

A third party, fire and theft car insurance: this works in the same way as third party car insurance, but it also provides additional cover, in so far as if your car is damaged due in a fire, or if it is stolen.

Comprehensive car insurance: also known as ‘fully-comprehensive’ insurance this is the highest level of car insurance cover you can purchase. With this type of policy, you will be covered against the cost of repairing or replacing the car completely. This is the case whether or not you are involved in an accident and are considered to be the reason for it happening. Depending on the car insurer, it may also include extras which may include any of the following, such as personal items cover, legal cover and in some cases even medical expenses too.

Want to apply for car insurance today? Proper Finance has got you covered. Our comparison website can help you to find the best deal for you. All you need to do is fill out an application form with us, which will take just a matter of minutes for you to complete. Once this has been done, a member of the team will be sure to get in touch with you quickly and promptly, so we can work together with you to find out your individual circumstances and ascertain what would be the best car insurance policy for you. So click apply now and contact us today!