There are many car insurance options available. Here is a clear description of the main types of car insurance. Remember to shop around and compare car insurance quotes before you make a decision.
Third Party
This is the minimum car insurance required by UK law. It covers liability to third parties i.e. claims made by third parties, against you, for bodily injury or damage to their property. It does not cover any damage to your car.
Comprehensive
This covers you if other people claim against you for injury or damage to their car or property, and if your car is stolen or damaged by fire.
Third Party Fire and Theft
Includes all the benefits of Third Party Fire and Theft above plus accidental damage cover to your car, cover for personal belongings, medical expenses and personal accident cover. Subject to selected levels of cover.
No Claims Bonus / No Claims Discount
A discount earned for each claim free year that you hold a policy, usually up to a maximum of 5 years. It can only be used on one vehicle at a time and can expire if not used on a vehicle for over 2 years. It is reduced when a fault claim is recorded against your policy.
Most insurers will provide you with your proof of No Claims Bonus if you decide to change insurance providers.