Common Driving Insurance Terms Explained
Let's face it, insurance is a dirty word and one that strikes fear and trepidation into the hearts of many young drivers and their parents purely and simply because of two main facts:
1. You HAVE to have insurance to drive. Without it you are committing a crime and if caught (and remember the police can access to most information about most cars and whether they are taxed or not with just a quick check) you'll not only face a fine of around £200, but will lose that hard earned licence.
2. Insurance is EXPENSIVE. Especially if you are male. Females statistically have a safer driving record, so for now the insurance is cheaper. However, in December 2012, after rulings on sex discrimination from the European Courts insurance companies won't be able to charge different rates based on gender. So insurance for the girls will definitely go up - but the question is, will it come down for the boys?
If you are learning to drive thinking about how to find the best insurance is probably the last thing you want to think about. But you should - if only to start saving up! It should also influence the type of car you are dreaming about owning.
For a first time driver understanding the terms insurance companies use can be confusing. This is a useful glossary of insurance terms that will help you think about the insurance that you will need for your first car.
Insurance Groups
Insurance groups range from 1 - 50. The lower the group, the lower the insurance. The higher the group, the most your insurance will cost. There is a good online guide at Parkers which will show you what cars are in what group, and where you can check the group of the car that you have set your eye on.
Insurance Premium
This is the amount you will pay for your insurance. You can normally pay the insurance either as one lump sum per year, or in monthly instalments. Although paying monthly may be more affordable for your budget, it will cost you more over the year.
Comprehensive Insurance
Although you should read the small writing of the terms of your insurance very thoroughly, in general Comprehensive Insurance covers both the car you are driving and any vehicle, property or person who you damage. Comprehensive insurance is usually more expensive, although some insurance companies only offer this option. If you are hit by an uninsured driver then your insurance will cover the repairs to your vehicle.
Third Party, Fire and Theft
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