You may not think it’ll ever happen to you but car accidents do happen – even to the most experienced drivers. While you might not be at fault, if you drive without car insurance and are involved in a road accident, then in legal terms you are the one to blame.

This is because it’s a requirement by law that all motorists have some form of car insurance – at the very least, they should have third party insurance which covers damage to another person’s property and ensures compensation for injuries to other people.


Motorists who drive in public without car insurance aren’t only risking their own and others’ lives, but if caught they could also receive six points on their driving licence, liability costs, a fine of up to £5,000 and a driving conviction. Uninsured drivers who are involved in an accident also increase the cost of car insurance for honest drivers.

It pays for drivers to look around at the best deals on a car insurance quote. Many of us choose to automatically renew our car insurance without looking for cheaper deals first, but this is a mistake.

A recent BBC Watchdog report claimed that, “around eight million people simply let their car insurance auto-renew, rather than look for a better deal.” To save money on your car insurance you need to look around for the best deals – a great way to do this is to check online comparison websites to find a car insurance quote which suits you. The comparison website will be able to compare a car insurance quote with another, for example, so that you can make an entirely informed decision.

Choosing your car insurance online

When you choose to pay your car insurance online, it’s both quick and easy, saving you time and money. This means when you receive a good quote and you decide to go ahead, you can view, amend and track your policy any time you like.

Most car insurance companies offer two levels of insurance:

Comprehensive car insurance

Comprehensive car insurance provides drivers with the greatest level of cover if your car needs to be repaired and replaced or is damaged or stolen. It also covers injuries to yourself and other people, damage to other people’s cars or property, windscreen repair and replacement as well as damage to your car stereo.

Third party fire and theft insurance

Third party fire and theft insurance provides less cover than the comprehensive insurance but covers damage to other people’s cars and property except for your own, injuries to other people and the repair or replacement of your car if it’s damaged by fire or stolen.

There are also a number of additional benefits or ‘add-ons’ for your car insurance which you might consider for extra peace of mind such as legal cover, protection of your no claims discount, breakdown recovery and courtesy car cover.

Remember, when renewing your car insurance it’s best to look around for a cheaper quote online and to read the policy summary properly to ensure you are getting the best deal.

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