Introduction to Types of Car Insurance Quotes - There are at the present moment, three basic types of private car insurance quotes policy in the United Kingdom:-

• Third Party Only

• Third Party Fire & Theft

• Comprehensive

When you purchase your insurance, you will initially be given a document called a cover note, this usually lasts for 30 days as is issued to prove that you have adequate insurance protection in force. Eventually, you will be given a certificate of motor insurance which will last for a period of 12 months. Don’t be alarmed though if the start date and fish date are not the same, some insurers start the certificate from the date their computer system actually issue it.  The certificate of insurance is required to prove that you have insurance and you will be required to produce it to the police if requested and to obtain Road Tax.

Insurers used to issue certificates on a “blanket” basis”, this certificate did not specify the registration number although it did not mean you were covered for any car owned.  Following the setting up of the European database of vehicles, most insures will now issue specified certificate. This type of certificate shows your car registration number.  Strict requirements are laid down by the EEC and you insurers only have a certain number of days to submit your information,. The pole have access to the database and can instantly see who is insured or not.

You may also notice from your certificate an additional form of cover which is provided regardless of type of cover purchased. This is called a driving other cars extension. This provides basic third party cover if you need to drive a vehicle not belonging to you. It should really only be used in emergencies as the cover is quite restricted and certainly does not provide you with cover to “ deal in cars”.  The driving other cars extension is not normally given to persons below 25 or to anyone working with vehicles of any description.