Insure my car

There are three basic kinds of policy sold in the UK. To be legal on the roads, you need the minimum Third Party Policy. This pays out if the way you drive injures someone or damages their property. The next step up is Third Party, Fire and Theft so this adds two situations in which your own losses can be recovered. Finally, a Comprehensive Policy covers both the liability you may incur to third parties and some of your own loss and damage.
What optional extras are available?

Every insurance policy is slightly different. Most of the time, what's covered stays the same but the wording of the policy is different. You need to read each policy before signing up to see what risks are included and, more importantly, what's excluded. You'll also be offered optional extras like:

breakdown cover;
pay-as-you-go;
no claims discount protection;
legal protection.

Classifying cars for insurance purposes

Under normal circumstances, the conventional car is easy to insure, but remember that cars are divided into classes or groups depending on their performance, the likelihood they will be stolen, the cost of spares and body parts for repair purposes, and so on. Before you buy any car, make sure you check which group it's in and how much it will cost you to insure. You also need to make special arrangements if you are looking to insure.

Most car rental agreements apply an insurance excess, which is the amount you are responsible to pay towards repair costs if the rental vehicle suffers any damage. Excess Reimbursement is designed to repay you the amount of any excess or repair costs you have to pay under the terms of the rental agreements following damage to the rental vehicle.