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As defined in the Road Traffic Act, it is illegal to drive a vehicle without insurance. Once you have insurance you are bound by the policies terms and conditions to keep the vehicle in a roadworthy condition and not to withhold any information on your application or to disguise the primary use of the car.
Vehicle theft in the UK (excluding London ) ranges from 1 per 1,000 people to 34 per 1,000 people. In excess of 2 million cars crimes occur each year and of those stolen 26% were taken from outside the owners own premises and 17% of car crime occurred in a public car park almost half of which took place in daylight.
You should always inform your insurer if you have an accident, even if you will not be making a claim. Third party is the most basic and the cheapest and fully comprehensive is the most expensive cover.
If you are convicted for a drink, driving offence you will find your insurance premiums will at least double. |
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Choosing the right policy for your circumstances will take time but can save you hundreds of pounds in the long run, decide by assessing what is most important to you and your vehicle. A s with all insurance your age the age of your vehicle and your postcode will be considered when you approach an insurance company for a quote.
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You may feel that your vehicle is past its best and not bother to take out a fully comprehensive policy.
If you travel abroad a lot you will need to consider vehicle breakdown in Europe cover or if your car contains a lot of expensive audio equipment, you will need to mention this to your insurers and may have to pay more to insure it is replaced if stolen. |
Factors to consider:
- Type of car you own: What grouping is it?
- If you make any alterations to your cars specification you must inform your insurer.
- Tryto keep your car either on a private drive or in a locked garage with the keys in a safe place at all times.
- Have you made your car as secure as you can with ‘Thatcham' approved security alarms or immobiliser and steering lock?
- Marked the windows and stereo equipment.
- Will you need to travel more than 5,000 in a year?
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