Reducing Premiums - Cover type

First you must decide what type of cover you require. The options are third party, third party fire and theft or fully comprehensive.

Third Party
Third party insurance will cover the costs of any damage or injury you cause to anybody else. It will not cover the damage to your own vehicle.

Third Party, Fire and Theft
Third Party Fire and theft also covers your vehicle against accidental fire or theft. The difference in cost between third party and third party fire and theft is negligible so you should always choose the fire and theft option unless you really cannot afford it.

Fully Comprehensive
Fully comprehensive will cover all damage and injury to anybody involved in an accident. This is the highest level of cover and consequently the most expensive. If your car has any significant value, fully comprehensive cover is the best option. However, if your car has little value, the cost of fully comprehensive insurance may be more than the value of the car and so third party would be the sensible option.

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