Ford Kinter

Car Insurance

With all of the information out there it can be confusing when you try to figure out insurance, what types of insurances are there, what one do you need and what is required by law. Here we are going to cover car insurance, caravan insurance, boat insurance and truck insurance.

Car Insurance

Car insurance protects the person that is insured against the losses involving the use of a vehicle. There are a variety of different types of car insurance ranging from 3rd party liability, fire, comprehensive, theft, property damage as well as the physical damage of collision. Why do you need car insurance, the answer is simple. Car insurance will:

 

  • Financially protect you from lawsuits
  • Protect your investment (car)
  • Pay medical expenses should you get in an accident
  • Cover losses that are caused by underinsured and the uninsured
  • Cover the cost of damage caused by vandalism, theft and natural disaster
  • Give you peace of mind while you are on the road

There are a few things to keep in mind, such as not all coverage offers the same protection. When you are considering the different types of insurance you can buy it is important that you think about your particular situation. There is a coverage that is ideal for you, that will fit your needs and your budget. In most cases it is comprehensive car insurance that is recommended.

 

  • Along with determining the right car insurance policy for you, it may help to know what factors influence your premium. The following items impact your car insurance premium:
  • Car colour
  • Distance you drive
  • Driving skills
  • Age of drivers
  • Modifications – not all accept cars that have been modified and those that do, generally charge extra
  • Parking – garage parking is considered safest
  • Security system
  • Where you live

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