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| Third party
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Third party UK car
insurance policies are the lowest level of
car insurance that is permitted in the UK,
third party car insurance will basically
protect you against liability to other
people. This means that, should you be
involved in an accident, your third party
policy would cover you for any costs you
owed the third party. Sometimes third party
is a preferred option for driver whose cars
have a low monetary value.
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| Third party,
fire and theft |
These types of UK car
insurance policies offer the same cover as
third party insurance, but with additional
cover for the insured vehicle. In addition
to liability, you will also be protected for
costs arising from incidents of fire, theft
or vandalism.
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| Fully
comprehensive |
Comprehensive car
insurance is the highest level of cover that
you can get, and accordingly is the most
extensive. As well as the protection offered
by the lower levels of car insurance you
will also have protection for things like
accidental damage to your own car,
windscreen damage, cover for personal
possessions left within your car, car audio
equipment, medical expenses, new car
replacement, and more. Read fully your terms
and conditions to see exactly what you are
covered for.
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| Additional
extras |
| As well as these main
types of UK car insurance policies, there
are also a number of additional extras that
you can use to extend your level of cover.
• Breakdown recovery - This
type of insurance will get you out of all
kinds of trouble should your vehicle break
down on the road. Cover will vary from
provider to provider, but usually breakdown
recovery will provide you with roadside
assistance, recovery services for your
vehicle, repair and a replacement vehicle.
• Uninsured loss recovery -
This additional extra will protect
you for any legal costs that would be
involved should you happen to collide with
an uninsured driver; someone who is driving
illegally. Lengthy court procedures can
result from such an occurrence so uninsured
loss recovery is a useful thing to have. |
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