Learner Driver without insurance
Provisional, full or foreign licence holder, you need driving insurance to legally drive any car here in the UK. This might seem obvious, but I was watching a learner driver programme on TV the other day, and the amount of people caught driving without insurance by the police was amazing.
Ignorance is no excuse, if you have a driving licence and own a car, then you must budget for car insurance, the minimum level of driving insurance required in the UK to legally drive is 3rd party cover, and is the cheapest car insurance available if you are tight on budget. This will cover any 3rd party in the case of an accident or a claim being made if your car damages someone's property. 3rd party car insurance will not cover your vehicle being stolen, fire or repairs to your motorcar if you are involved in an accident. I recommend you at least get this product to stop you being caught driving without motor insurance.
The next level of car driving insurance available is 3rd party, Fire and Theft. In addition to the cover provided above, you are covered against theft of your vehicle or fire damage to the car. This level of cover is a good idea if you car is of value to you (ie you can't afford to lose it due to theft or it being destroyed by fire). This level of motor insurance does not cover you for damages to your vehicle during an accident or any other repairs that might be need if caused by a fault of your own. This insurance product obviously costs more than 3rd party only.
Comprehensive Car Driving Insurance
This is the motor insurance I as a driving instructor uses and is what a lot of drivers have that stops them being caught driving without insurance. This insurance product offers complete protection for the driver, including repairs to your car as well as that of the other party, it can have other options included in it like No claims bonus protection and legal expenses cover. Many companies with comprehensive insurance cover also offer you a new car if your brand new car is involved in an accident and is uneconomical to repair within the the first year.
What is your excuse for driving without car insurance? If you are worried about the premium costs, when not look for companies that specialise in car insurance for young drivers, but what ever you do, don't drive a car without insurance
More Reading
New car insurance rules 2011.
2 comments:
Good video and nice article. Driving without insurance is a crime and according to ‘road traffic act 1988’ if you drive with no insurance it is described in S143 as ‘an offence to use a motor vehicle on a road or public place when there is not in force in relation to the use of the vehicle such a policy of insurance is respect of third party risks as complies with the Road Traffic Act. This explanation includes equally the vehicle owner along with driver/temporary driver. At one day car insurance you can find the best insurance for single day or for whole month. And if you loan your own car to someone else with no insurance, you can end up accused below S143 for driving without temporary insurance. Nevertheless, vehicle owners can claim not guilty, as they had no hold over the cars and were no longer using it as per definition. Always see to it that individuals using your cars have insurance to avoid such situations. http://onedaycarinsure.co.uk/
Thanks for guiding me through this. Rarely do I find good entries that would walk me through.
Great post.
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