Types of Car Insurance
Whichever type of driver you are - male or female, old or young, experienced or novice - the type of car insurance you take out can affect the cost of your policy. Even within each category, it may be possible to save money by shopping around and playing insurers off against each other.
Third Party Car Insurance
The basic car insurance option, required by the law, a 3rd party policy covers injury to passengers in your car and damage to other vehicles. It will typically cover any emergency medical costs too, although it is unlikely that any ongoing costs will be included in the policy.
Furthermore, broken windows, overheating engines and theft or damage to property within the car all usually fall outside the scope of the car insurance cover.
As it is the basic option, 3rd party cover is also generally the most affordable, so might be a good idea for newly qualified drivers, students or those in a high-risk category such as young males. However, if you know you are at risk of needing to make a claim, it may be worth spending a little extra and ensuring you get the cover you need.
