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Car accidents occur every day all across the UK and while most of us have driven past the scene of an accident at some point, we often believe that it will never be us at the centre of the crash. However, no matter how careful a driver you think you are, you are always at risk of being involved in an accident. Sadly, apart from driving as carefully as possible there is little you can do to change this risk. What you can do, however, is to make sure you have the right private car insurance protection in place to minimise on the financial repercussions that can follow a car accident.
Of course, having car insurance in place is a mandatory requirement if you are driving your vehicle in the UK. However, there are a number of different levels of protection available and it is important to make sure you choose the right one for your needs. If you choose the wrong level of cover, you could end up out of pocket, either in terms of the amount of money you pay out in premiums or in terms of the amount you end up shelling out in the event of an accident. This is why it is essential that you choose the right type of private car insurance. At Crosby Insurance Brokers, we are here to fill that need for you.
The different levels of private car insurance include:
- Third party cover: Third party car insurance cover is the most basic type of protection and as such the cheapest. This is the minimum legal requirement and basically covers the driver in the event that he or she is responsible for an accident that causes harm to another party or damages another person's vehicle or property. This type of coverage is best suited to those who have an old car that is worth very little in terms of value due to the minimal level of protection it provides
- Third party, fire and theft: This is a level of protection that is higher than the most basic one because it also provides additional protection in that it covers you if your car is stolen or damaged by fire. The cost of this level of cover is higher than third party only cover because of the additional protection that comes with it. Again, this level of cover is best suited to those with older, lower value vehicles who want that additional protection and peace of mind.
- Fully comprehensive cover: This is the most protective level of coverage, and is advisable for anyone who has a newer, higher value vehicle and those who want to avoid having to find money for repairs in the event of an accident. The premiums with this level of protection are higher but the protection levels are also higher, as it covers your vehicle as well as the other vehicle/property involved, even if the accident was your fault.
Getting a competitive car insurance quote
No matter which level of protection you decide to opt for, you need to make sure you get a good deal from a reliable broker which means shopping around for a competitive car insurance quote. It is advisable to check a range of quotes in order to find insurance cover that is both suited to your needs and offers affordable protection. However, shopping around for a competitive car insurance quote can be a time consuming and often frustrating process. Many people simply do not have the time to trawl through the websites of all the different private car insurance companies to get quotes and as such rush into taking up the first quote that comes along – a potentially costly mistake.
Fortunately, you can get help when it comes to finding a competitive Sunderland car insurance quote, or a quote for car insurance anywhere else in the UK! This means that you can save yourself time and money when it comes to your car insurance. Crosby Insurance can help to take the hard work out of finding competitive car insurance cover by doing the legwork on your behalf and checking a range of quotes from a variety of private car insurance companies.
How Crosby Insurance can help with your car insurance needs
Most of us lead busy lives and have very little time to devote to shopping around for products such as car insurance cover. When you use Crosby Insurance to help you find the right cover at the right price, you will not have to worry about finding the time to go through a range of plans and providers yourself. With many years of experience and knowledge within the insurance industry, Crosby can obtain and check quotes from a panel of reputable private car insurance companies in order to get you the right coverage for your needs at a very competitive price.
To get started, all you need to do is complete the quotation form online right now and submit it with the click of a button. You can then sit back and wait for Crosby to source competitive car insurance policies that are ideally suited to your needs as well as your budget.