Sunday, December 20, 2009

Car Insurance Guide Part 2

Last year, British police seized more than 150,000 uninsured motorists. The owners have 14 days to pay a fine of 200 to the cost of having the car impounded, or as an expression of his pride and joy was sent to the crusher. Fortunately, that should not be the case for you. Read the second part of our useful guide to car insurance and make sure that not one of the 2 million car owners currently estimated to drive without insurance.Insurance benefitsAlmost each policy offers different levels of coverage for all other policies . Here is a list of some of the most common, and the low down on what really gets you.Courtesy carThis guaranteed a replacement vehicle while yours is taken for repair - can be very useful for people who depend on their vehicles to move. Most insurance companies offer a courtesy car, but often only if the car is repaired from the garage approved. Some insurers offer a free shuttle service only when the vehicle is damaged in an accident, and the payment of the provision of a replacement if belongingsThis theft.Personal covers all personal effects which are lost or damaged while in the car . However, only an insurance company to replace some lost with new ones. The rest take the age and condition of the element into account and pay what they consider adequate compensation. The maximum amount you can handle, and that the objects are actually covered varies from company to company. As with all these things, is essentially down to sift through the fine print and the development of personal coverage of how useful it will you.Choice insurers repairerSome insist that the vehicle repaired at one of their authorized repairers. Choosing a repair shop allows you to decide if the car expensesThis goes.Medical can be very useful addition to politics, even if it is offered by all insurers. Medical expenses caused by an accident will be covered by cash - useful if you need dental or physiotherapy after a long car audio crash.In equipmentUseful Pimp-my-ride fans, the car audio installations covering all computers in music Westlife sanding the back seat. Once again, insurance companies cover the range of what they really offer. Most companies set a limit of around 500, which may be worth more if you pay half of Dixons protectionThese packaged dashboard.Legal are contentious times, so some people may feel more comfortable with the legal protection . This includes the cost of any legal action arising from car insurance claim.Driving other carsMany insurers offer the protection of third parties to drive other vehicles. However, this can often be restricted to driving in "emergencies." As expected, the exact nature of an emergency may differ materially from politics policy.Named driver driversNamed not have a policy in its own name but are added to the policy of a friend or relative. This covers a person to drive a car without an independent policy of self-confident. Be careful, however, that drivers do not have the name of a third party cover for driving other cars, even in an emergency.

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