Q: If I have 3rd party car insurance and I can prove that my car has been stolen will I still not get any pay out?
A: That’s right. 3rd party insurance is the minimum legal insurance and it only covers damage you may do to others or their property. If your car disappears I’m afraid you get nothing.
Q: Fully comprehensive insurance seems a lot more expensive than the other options, is it worth it?
A: Fully comprehensive car insurance covers you for any damage to your own car which neither of the other two options do. If you want your insurance company to pay out to repair your car if it’s involved in an accident and no other driver’s insurance covers it then you’ll need fully comprehensive insurance.
Q: I’m a young person who has recently passed his test but car insurance seems to be very high for me even though I haven’t been in any accidents. Why is this?
A: Unfortunately as far as insurance companies are concerned you may not have been involved in any accidents but as a young person you are statistically more likely to be involved in one. Try comparing quotes from some of the specialist young person’s insurers they may have advice on how you can bring your premium down.
Q: As a sole trader I’m thinking of getting a van but I’ve heard that van insurance is expensive, is that right?
A: It very much depends on the size of the van and how you are going to use it. Have a look at the van insurers and get some quotes based on your particular requirements. There will be sole trader options.
Q: Is it possible to get insurance for occasional use of a motorbike?
A: Yes it is, there are some very flexible options for motorbike owners so study the detail of the policies on offer.
Q: I’m a woman driver, is it true that I can get cheaper car insurance because of that?
A: It does depend on your other circumstances such as any history of claims made but in general it is true that as a female driver you can get lower premiums from some car insurers based on your gender.
Q: Can I put my husband on my female car insurance?
A: You can put named male drivers on some female car insurance but of course it will affect the cost of the premium and there will be stipulations that you are the main driver.