Most people do hold bars of misconceptions over car insurance policies. However, car insurance is mandatory in the UK; there must be an eye-opening fact to broken all your delusions before you get to buy a car insurance UK. Here are the top 7 of them. This will prevent all you're misunderstandings. 1. In case of accidents only you can get the insurance coverage
Probably yes, your insurance would take care only in case of an accident. But, it doesn't mean that you have to take the burden on your shoulders during any damage during natural calamities like earthquakes, lightning, floods, etc. It will cover you upon such hassle situations too. Don't ever forget that human-made disaster like terrorism, riots, theft, and so on would get covered under your indemnity. Binding up altogether, you have to compare car insurance with each provider's different policies for the best one. 2. The comprehensive cover permits you to drive any car It is not a common factor in comprehensive insurance; only a few providers offer their comprehensive insurance cover. It is better to have a keen eye over the policy cover before taking someone's vehicle to a drive. 3. Putting your policy in a parent's name will reduce your car insurance premium When you front your parent name as the main driver and back yourself as include or additional, the policy would be invalidated and an illegal offence. If it is taken to court, then you are liable to pay £5,000 as a fine. You can reduce the premium cost by making your parent's as include or add in the policy and you and the main. 4. The third-party policy is at all times the most affordable Cheap car insurance UK is not always meant to be a third-party policy. A proven fact is that a person who tends to opt for a lower cover would still manage to make more claims. Due to this, the most insurer has increased the premium rates of it. Therefore you can get a comprehensive cover premium at a cheaper rate than the other policy. 5. If anybody driving my car, it covered under my insurance policy Unless your car insurance policy is extended to cover anyone driving your car, it can get covered. If not, then we should have personal liability cover to manage the expense. 6. A credit score does not affect your car insurance premium No, in this case, it is not true. A credit score is also really important – while dealing with a car insurance premium. If you do have a bad credit score, you are liable to pay a 20% extra along with the normal premium rates. 7. If the car is more expensive, the insurance costs also expensive Based on the past driver's age, marital status, driving history, and various factors, the insurer determines premium rates. Typically it is not based on the cost of the vehicle. Conclusion: These are some of the common misunderstandings most Brits holds in their mind before getting an insurance policy. Careful identification and consideration of policy providers are essential to spotting the best cover.
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