It is illegal to drive without insurance cover. But how do you know if you are driving it illegally? Under Covid 19 regulation, most drivers are driving much less than usual. Some have even stopped driving entirely. Some are not even driving at all.
In the UK there is a mandatory insurance on your car for a number of reasons. It is legal, to the UK government, to have compulsory insurance. That is the government regulating car insurance companies and car insurance providers and making sure that the prices for cover are competitive. In addition, it makes it illegal to drive around with no car insurance cover. But even if you are allowed to drive a privately owned vehicle without compulsory car insurance, it can cost a lot.
You'll need to buy your insurance as part of a comprehensive package. They usually come in two types – third party and fully comprehensive. If you only use your car for private purposes, you may well only need third party insurance. However if you own your own car, you may want to look at fully comprehensive as this is the most expensive but will protect you against any potential losses due to damage to another person's car or property.
When you shop for your insurance policy, you can generally choose to pay monthly or yearly premiums. Monthly premiums are cheaper, usually about half that of yearly payments. If you choose a longer time period for your policy, then the annual payment could be slightly more. The key is to find the cheapest type of policy at the cheapest monthly or annual rate.
If you don't think that you need compulsory car insurance, you may consider taking out a small car cover for your privately owned vehicle that doesn't involve insurance company involvement. Such policies are often less expensive than comprehensive policies and, once you are covered, the costs are lower each year, so the premiums can be spread over a longer period.
To get the legal minimum car insurance for your vehicle, you should always check with the insurer you are currently taking out your cover with and ensure that you understand what your coverage actually includes. If you can't, then contact them to make sure that they are still legally required to provide cover the vehicle.
Another way to reduce your car insurance costs is by buying a car that has low mileage. If you drive an older model car that is considered less risky by insurers, you could save money. A car that doesn't break down or is rarely involved in accidents will also save you money on the premiums you need to pay.
With the amount of information available today it is easy to find affordable car insurance and get cheap cover without breaking the bank. Just remember to take your time, shop around, and to check with various insurers. By doing this, you'll soon find the best possible deal.
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