How to Get Car Insurance in London
British capital is one of the populated cities on the face of earth which increases the rate of accidents on the roads and streets. In such a situation the car insurance has become one of the few important things to avoid any financial loss. Once you get your car insured, you feel yourself in financial protection against any accidental damages or against a liability that may arise from accident. However, getting car insurance could be a time spending task because you need to ask for quotes to many companies so that you find the best deal. If you are looking to insure your car in British capital, you choose a right path to get the best deal and maximum profit from your insurance company. Here is a step by step guide to get car insurance in London that should create ease for you.
Instructions
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1
Types of Policies and Coverage
First of all, you need to know what kind of policies and coverage you can get from car insurance companies. There are many types of coverage that come under insurance but not every company offer all of these. You should inquire this to insurance agent before moving forward. Usually these are the coverage that insurance companies provide:
(a) Liability Coverage, offers to pay damages received by the other party in the accident.
(b) Property Damage Liability, actually does not cover any damage to your own property. Infect the insurance company compensate to the party that suffered property damages because of your fault.
(c) Bodily Injury Liability, requires insurance companies to compensate the other party that has suffered from bodily injuries due to your fault.
(d) Comprehensive Coverage, covers any sort of loss that can occur to your car, but it does not include an auto accident. However, a damage caused by any other means like tornadoes, hurricanes, hailstorms, or natural disasters will be covered under this policy.
(e) Collision Coverage, is exactly what it name suggest. It covers all kind of damages that your car suffers in an accident no matter other thing was a vehicle, building, guardrail, or any other stationery object.
(f) Fire and Theft Coverage, applies when your vehicle is damaged or totalled as a result of fire or if your car has been stolen.
(g) Personal Injury Protection, covers about 80% of medical injuries that occur during car driving. It includes rehabilitation, funeral costs, lost wages and many other medical expenses.
(h) Uninsured Driver Coverage, implies when you are involved in an accident with a driver, who does not have any car insurance and is not financially able to cover your loss.
There might be other policies and coverage that your insurance companies are covering. You should ask a company about all type of coverage before moving forward for insurance.
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2
Insurance Companies
Next step is to look for the reliable and well reputed insurance company in London. There are many auto insurance companies in London that are offering wide range of policies. Here are some of the best car insurance companies in London.
a) China Typing Insurance UK Co Ltd
b) Motor Claims Management Limited
c) Quotax Insurance Services
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3
Quotes
Before deciding about any specific company of your choice, you should compare offers of different insurance companies in London. Remember many companies offer cheap deals but offer poor quality services. You should check the track record of the insurance companies before your decide to take an insurance.
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4
Requirements
Once you have decided to go with one company of your choice, you should ask them about the requirements. Many car insurance companies does not offer insurance if you are less than 18 years of age. So, get details about all company requirements before you get insurance.
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5
Down Payment
Now it is time to make a down payment. Your down payment usually depends on the type of the policy. It also differs among the insurance companies. You primary aim should be lesser down payment but remembers do not compromise on the quality of service and coverage.
