Author: Russell Marlow
Source: ezinearticles.com

Car insurance is a compulsory requirement for anyone wanting to drive a car on UK roads. It’s illegal to not have a policy which applies to the car you’re driving on the road, and the penalties can be harsh. Offenders can end up in court, and may end up with points on their driving licence as well as face a fine. There are different levels of car insurance, and the minimum legal level is Third Party Only.

It’s also important to point out that there are virtually no exceptions when it comes to having car cover. For example, you’re not exempt if you’re learning to drive and are a provisional licence holder. Even a trip around the corner with a qualified driver in the passenger seat is illegal if the person at the wheel does not have a car insurance policy which applies to them and that car.

Check your cover

People often mistakenly believe that if they’ve got a car insurance policy they are fine to drive someone else’s car, perhaps belonging to a friend. But you must have an insurance policy which entitles you to drive that car. Although some cover products allow you to drive not just your own car but cars belonging to other people within certain limits, this is not a typical feature of a very basic car cover policy.

You’re also not exempt if you only wish to drive the car a limited distance or on a limited number of occasions per year. In short, if you wish to drive a car on the road, you must have an insurance policy, even if it is a matter of a few hundred yards.

It is also important to think about other requirements for driving a vehicle such as;

MOT certificates

The car you’re driving must have passed an MOT certificate before it can be driven. This applies to any vehicle which is at least three years old.

Road tax

The car you’re driving must also have a tax disc, which is up to date and is clearly displayed in the windscreen.

Your licence

It must be up to date and you must drive in accordance with its limits, i.e. pay particular attention if you are a provisional licence holder who must be accompanied by a qualified driver and have L plates.

The minimum level of cover, as mentioned before, is Third Party Only and this is a type of policy which only protects for payouts to damage done to someone else’s car during an incident. Fully Comprehensive cover which protects against damage to your own vehicle as well may be more expensive but is far more detailed. It is generally used by people who have a car which has a value over a very low a limit of perhaps a few hundred pounds.

So remember, you are required to have a car insurance policy if you wish to drive, as the law states you must be able to cover the damage and compensation to another person if you are responsible for an accident.

Russell Marlow is a London based freelance writer who writes about financial products including car insurance.

Author: Chris Rowlands
Source: articledashboard.com

I’m sure at one point or other you’ve all made or listened to jokes about driving abroad, driving round roundabouts the wrong way, etc. The reality of this can be rather more serious.

It’s all very well if you’re hiring a car in the country you travel to, but what if you’re driving your own car over to say France or another now easily accessible European country. Does your normal car insurance policy cover you?

The answer in some ways is both yes and no. Yes you should be covered on the majority of policies, as under European Union law a minimum level of cover is required in all of the member countries. This however is only really about the same level of cover as a third party policy, coincidentally the minimum level allowed by law in this country.

Then on the other hand when you think about it, no, you’re not really covered sufficiently. All the insurance will pay out for is damage or injury to a third party and no cover is provided for yourself. Many people do not realise how little is covered whilst driving in Europe and may presume they have comprehensive cover.

Most insurers offer a temporary top up to your motor insurance policy, often for up to a period of 30 days. This will cover you as a comprehensive policy and give you the peace of mind you require.

Not all providers offer this feature so it is advisable to check early, as if you cannot add this temporary cover, you will need time to seek and apply for a temporary policy with another company.

It is also important to have your car checked over mechanically before you attempt to make a long overseas trip, so as to avoid having to make a claim whilst abroad. This is also good general advice before any long road trip.

You may be able to find certain insurance companies who offer comprehensive European cover as part of their standard policy. This will take some research and a good idea is to use a comparison site to make the job easier by showing you what is and is not covered under a prospective policy.

The main things to remember when planning a trip abroad in your car are; Make sure you are covered (take extra cover if needed), have your car checked over mechanically, take plenty of maps, take many breaks and above all drive safely and carefully, especially in unfamiliar surroundings.