Why Do I Need Car Insurance?

What is car insurance?

Any car driven on UK roads has to have some sort of motor insurance. Cover varies from Third party only which is the minimum cover, to Third party fire and theft and then to Comprehensive which is the highest level you can buy.

Third party only – When you purchase this cover you are legally permitted to drive in the UK but any damage caused to your own car whilst driving will not be covered. This cover is therefore normally only considered for low value cars. It has the benefit of being less expensive than other covers.

Third party fire and theft – In addition to the benefits of TPO cover is provided if the vehicle is stolen or catches fire

Comprehensive – In the event of a claim your insurer would pay out for damages caused to your own car as well as to the benefits listed above.

Damage or injury to third party persons or property is covered by all three policy types.

What are the benefits of car insurance?

The most obvious benefit is that it allows you to legally drive on UK roads. Car insurance also gives you peace of mind that you’ll be insured in the event of a claim (particularly if you choose to purchase comprehensive insurance)

Why Quote Detective?

Most insurance providers only want to insure the standard ‘safe’ drivers, as with many things decisions are made by algorithms not people and they operate like a sausage factory – anything that is out of the ordinary is unwanted.

At Quote Detective we specialise in non-standard risks, that is people who struggle to find insurance elsewhere, our customers often comment that we were the only company quoting for them on the price comparison sites.

Our Detectives will spend time talking to you and will understand your back story before placing your business, as such there may be quite a few questions to answer but it’s all in the quest to find you good value insurance that will cover you when you need it. 

“We’ll search the market to get you the best deal
Helping people is what drives us. We pride ourselves in helping people from all walks of life in the U.K. Our team works tirelessly to find you the best deals.”

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