The basic legal requirement is Third Party Fire and Theft but this will not cover you for most things that can happen to your car.

The two main types of car insurance available in UK are:

Third Party Fire & Theft Insurance which covers following:

Liabilities for injuries to other people, including passengers

Liability for damage to other people's property

Liability of passengers for accidents caused by them

Liability of fire and theft

Fully Comprehensive Insurance which covers following:

Liabilities for injuries to other people, including passengers

Liability for damage to other people's property

Liability of passengers for accidents caused by them

Accidental damage to your own car excluding any excess

A personal accident benefit

Medical expenses up to a stated limit

Loss or damage to personal effects in car, up to a stated limit

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The insurer will define type of security that they require in order to qualify for a discount but for most companies there are three particular security measures which count; good quality locks on windows and doors, a professionally fitted and maintained burglar alarm and membership of an approved Neighbourhood watch scheme.

Unfortunately, some householders are already in a high risk area, for example many city centres, and insurers may insist that certain securities are in place before offering cover. In these cases, of course, no security discount will be applicable.

Claims discount Just as with Motor Insurance it is now common practice for insurers to reward those who have not made a claim in preceding years. The level of discount varies from one insurer to another however 5% to 20% is now common and amount is increasing.

To ensure you are getting best possible Home Insurance deal, shop around, evaluate and compare all appropriate policies that provide cover you require. Think about policies in terms of price, coverage, excess, flexibility and reputation of insurer.

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