You need to tax your car, fill your car with fuel, pay for servicing, pay for repairs and also insure your car. You may think that’s an expense you can do without.
You could say that you’re a safe driver and won’t have any crashes. Maybe you think that because your car is in the garage every night it won’t be stolen. You may even think that your car is an old banger so it’s not worth insuring and you’ll dispose of it should it get damaged. In any of these situations, you could think that it’d be a good idea not to buy the insurance and therefore save some money. You’d be completely wrong to think that.
Don’t Break The Law
It is an offense to drive a car in a public place or on public roads in the UK without having insurance. Under the Road Traffic Act 1988 you are required to be insured for your liabilities while driving a motor vehicle.
If you are found to be driving a car without car insurance the police can deal with you at the side of the road by giving you a £300 fine (this has recently increased from £200) and giving you 6 penalty points on your driver’s license. If they decide not to deal with it immediately and send you to court then the court can impose a much heftier fine and up to 8 penalty points on your license (if you receive 12 points within a year you’ll usually lose your license).
The police also have the power to seize your car and in some cases have it crushed. This is often used as a deterrent for others not to drive uninsured. So legally it’s a must to take out a car insurance policy, but what other reasons are there?
What Car Insurance Provides
Car insurance gives you peace of mind. When you buy a car it is often a big outlay and most people wouldn’t have the funds to replace their car if it was written off due to a bad collision.
If you caused someone to get injured by crashing into them without insurance and they bought a civil case against you then you could end up with a legal bill of tens of thousands of pounds to deal with. Your car insurance will usually cover this depending on the level of insurance you buy.
There are 3 levels of car insurance available usually. These are:
This covers the other vehicle involved in an accident with you and any people in their car. Your car is not covered at all and neither are you.
Third-party, fire, and theft:
This is the same as third party but extra protection is given if your car is involved in a fire or is stolen.
This covers everyone and every vehicle involved in a collision with your car. So any repair costs for your car are also paid for by your insurer.
Honesty Is The Best Policy
You will need to tell your car insurer how you’re going to use your car. Is it just for general driving, will you drive it to work and will you do any business mileage in it. As with all insurance applications you should be honest in how you answer this question as if you have an accident while driving to work but didn’t specify that in your application you will probably have your policy declared null and void.
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