Hopefully if you are reading this then you have used the 'search' function and have just found your answer !
You have to have a minimum of what is called RTA (Road Traffic Act) cover in order to drive a motorised vehicle that is registered for road use on the public highway.
All insurance policy's available will have this cover included, apart from one. The different types (covers given) of Policy are;
Third Party only - Essentially only gives RTA cover, may have a few frilly bits attached. This type of Policy will only pay for damage/injury caused to Third Parties. If you have this cover and crash your car into a tree/another car etc then you dont get any money to fix your car.
Third Party, Fire & Theft - Basically the same as the above, but includes the 'perils' of Fire & Theft. I.e. if your car is stolen, a payment will be made under the Policy, the same if it catches on fire.
Comprehensive - Both of the above, plus it will payout for damage caused to your car in the event of you crashing it in an accident.
Laid Up cover - Not something you see often but this is basically for cars that are 'laid up' i.e. not being used on the road for a long period. These Policys' usually only give Fire & Theft cover on the vehicle, although some insurers may offer wider covers. THIS POLICY DOES NOT HAVE RTA COVER INCLUDED SO YOU CANNOT DRIVE YOUR CAR ON THE ROAD.
Ok so thats the type of covers sorted, theoretically TP only cover is the cheapest (apart from laid up cover but we will ignore that for now) and Comprehensive the most expensive. Sometimes you will find TPF&T cover works out cheaper than TP only cover, dont ask me why, I underwrite commercial insurance !
Now we will move on to where to get a quote from, this list is not by any means exhaustive, typing 'mini insurance' into Google will bring up about 7 million results. My insurance is due for renewal soon so its just the ones I have used;
If you car hasn't had any modifications made to it then I would recommend the first two, particularly Confused.com. It searches a LOT of companies for you to get the best quotes and has saved me a lot of time in the past ringing around different companies. This year it has saved me £100 on my renewal premium.
Talking of modifications, if you have made any to your car (i.e. Alloy wheels, Stg 1 Kit) etc you MUST declare this when you are getting a quotation. If you are phoning companies I would recommend you say that its modified straight away to check that they are able to accomodate them, it saves you a lot of time going through all your details only to be told that they cant quote !
So, now you know a few places to look and what the basic cover types available are you dont need to post asking where can I get the cheapest Insurance. If you do, Jammy will make you chew on his special sock
Jammy, when I get another 10 minutes I will format it a bit and possibly add some more explanations once I have checked what questions people have asked in the past, it may also be appropriate to move it to a different section ?
Edited by Jimmyarm, 28 March 2007 - 05:10 PM.