Avoid high interest rates - Interest charges are very high if you were to pay your premium in monthly instalments. It would work out cheaper to pay your premium in one lump sum.

Buy on Internet - Financial products are far cheaper on Internet than elsewhere. Car insurance is usually about 10% cheaper when you buy online.

Shop around - Be prepared to do legwork, if you want a good deal.

Check insurance rating - Some cars are considered to be of a higher risk than others. Before buying a car, check out its insurance group rating as car insurance premiums vary greatly between insurance groups.

Imported cars are expensive to insure - The price of a car bought abroad may be cheaper, but most likely, insurance won't be. This is because, parts can be more expensive and difficult to find, so take this into consideration unless you are buying a car fully catered for in UK.

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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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