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There are various types of car insurance, the one you choose depends absolutely on you. By law you are required to have a minimum kind of insurance meaning it is criminal to drive without an insurance cover. Be that as it may, the available cover vary with the cover they offer. Private Car Insurance policy cover is divided into three, from the highest to the least here they are:
- COMPREHENSIVE : this in is an all risk cover and it covers your vehicle and third party's vehicles against accident, theft, fire and other road risks also covers Third party injury, medical expenses etc.
- THIRD PARTY FIRE & THEFT: this a restricted cover, which covers injury to and damage to Third Party's car and covers own car against Fire and Theft alone.
- THIRD PARTY: this is the least kind of cover and by far the cheapest. It cover injury to and damage to Third Party car only.
Therefore, take any of the above with respect to your budget and your car (my advise - expensive cars should be insured on Comprehensive basis).
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