Private car insurance covers individuals and companies’ motor insurance needs for private cars as opposed to goods transporting vehicles, passenger vehicles, bikes and vehicles of special types.
Third Party Only
Often known as “TPO” policy, covers legal liability for third-party injuries or damage to third-party property arising from the use of the insured vehicle. The third party liability cover offered meets the Road Traffic Act’s minimum insurance provision in terms of the coverage limits provided. Another thing to note about the Third Party Only policy is that it does not provide protection for the insured vehicle itself in case of loss or damage. Next is the “Third Party, Fire and Theft”. This is only provided by applying fire or theft insurance to the insured vehicle against loss or damage. Typically the cover is subject to excess claims of fire or robbery. Furthermore, third party, fire & theft coverage usually does not cover loss or damage to windscreens except as a result of a claim for fire or theft.
Comprehensive Private Car Insurance
Comprehensive insurance is for by third parties, fire or theft. It provides protection against loss or damage to the insured vehicle for any reason not excluded by the policy. It also provides coverage as a result of an accident to the insured car. Besides that, comprehensive insurance may include optional covers such as windscreen, personal effects, personal injury or medical expenses. This optional covers included in addition to the extra cover for loss or damage to the insured car. In addition, any claims of damage to the insured car, the cover is typically subject to an excess. Furthermore, windscreen claims are subject to a lower excess and the No Claim Discount is not affected by these claims.
With a wide number of insurers, private car insurance is extremely competitive. It is possible to obtain quotes online or by speaking to an insurer. Standard risks should be capable of obtaining online competitive quotations. If the risk is non-standard, there is less likelihood of an online solution due to issues. Such issues including claims, convictions or vehicle type, and a specialist broker may be required.
We offer an instant online motor insurance comparison service at PolicyStreet, which compares rates and covers from a panel of leading insurers. Also, you can contact our motor insurance team directly to clarify your private car insurance requirements. This is a great opportunity to compare 8 instant motor insurance quotations in 1 minute. It is that simple!