Car Insurance

Auto insurance, vehicle insurance, and motor insurance can also be known as car insurance. It is compulsory to have car insurance within the uk. Its main purpose is to provide protection against any losses incurred by an individual as the result of a road traffic incident. Car insurance will only cater for Motor cars it will not offer insurance for Vans, Bikes or trucks. It is our aim to provide a low cost car insurance cover without compromising the level of your insurance cover.

What is defined as a car?

We always aim to provide the best car insurance policy for your needs, for this we aim to be sure that we understand what vehicles are classified as cars. A Motor car, Automobile or simply car, is a three or four wheeled passanger vehicle that carries its own motor. Most explanations of what a car is would identify it as a vehicle that is designed to run mainly on the road, to have between one and eight seats, in the most part to have four wheels, and to be used for the transport of people rather than goods. Cars can vary from the small, like the three wheeled robin reliants or Smart cars, the executive BMWs or Mercedes, and the family sized Renault Espaces and Ford Galaxys. There is also business car insurance cover for drivers who need to use their for business use

Car Insurance cover types

• Car insurance comes with the 3 main and classic insurance types;
• Comprehensive – This cover provides insurance, subject to a deductible excess, for the insured's vehicle that is damaged by incidents that are essentially the inureds fault, or where there is no traceable third party to claim them off.
• Third Party Fire and theft – This cover provides indemnity for any third party you may be involved in a traffic incident with, and accidental fire within the vehicle, or the theft of your vehicle.
• Third Party Only – This is the mimum cover required by law within the uk. It insurers you for damage to any third party in a road traffic incident.
• The three cover types above apply to the policy holder and any drivers you choose to have insured on your policy. You can slo select your policy to cater for purely social use, commuting to and from work and also business requirements.

What Will Car Insurance cover me against?

As discussed above you have the three cover types.  Comprehensive is designed to cover the policy holders vehicle against any damage it may incur as the result of an incident. Especially if they are responsible for the repair of the damage themselves because there was no third party involved. Other examples your car insurance would cover you against are fire, theft or attempted theft, car vandalism, storm or weather damage, and even impacts with animals. 'Third party only' car insurance cover is where you are legally covered to drive your car on any highway within the UK, and insured for any damage to a third party's car. 'Third party fire and theft' is the same as third party but you will also be covered if your car catches fire or is stolen. Each driver that is selected on the policy will be covered under the requested cover not just the policy holder.

Further details on what Car Insurance can cover me against?

The use requested on a policy will also decide what your are covered for, and against. You can select to insure your vehcile solely for pleasure use, commuting to and from the same or different places of work, and also in connection with your business or occupation if required. Some policies allow the policy holder to drive other peoples vehicles on a third party only basis. Insurance policies do not cater for legal liability or other un-insured losses but you can opt for additonal cover to aid you in claiming for these. This is called un-insured loss recovery, legal expenses or legal cover, and are likely to be offered when you request your quotation. At autonet we offer a clear and concise legal package, that will cover you for all your un-insured loss needs. Other packages that you may request would be breakdown cover. Dependant on the cover you request you can be covered for the breakdown of your vehicle at home, on the road and even in the EU.

Car Insurance Introductory Discounts

Our current and constantly expanding panel of Private car insurers consists of up to 29 companies offering over 100 different schemes. The competition for prices as a result of such a large group of insurers allows us to negotiate some fantastic deals. We can offer introductory discounts for all makes and models of cars, from Fiat Puntos, Peugeot 106’s and Renault Clios, through to Ford mondeos, Vauxhall vectras and Audi A4’s. Discounts for your car insurance can also be applied if you have been a named on your partners’ spouses or parents’ policies, and even commercial van experience can be taken into account to offer you a lower cost car insurance. We also have new companies offering delegated/lower rates that tailor a policy and its premium to your individual circumstances.

Insuring Multiple Cars

Companies that provide Insurance for more than one car, otherwise known as multi-car policies can be few and far between. But at AUTONET we are an exception to that rule. In fact the more vehicles you want to insure with us the more money we can save you. The policies don’t even need to be for the same or similar vehicles, same use or same drivers we can offer variations on cover, drivers and most importantly the best price. The policies can even run from different start dates as well, literally catering for every Multi-car needs.

Why have Car Insurance with AUTONET?

You can sit at home watching the TV or reading a magazine and almost every other thing you hear is to do with insuring your car. As a result, knowing who you can trust and who can give you, not just the best deal but the best service all year round, can be a difficult choice to make. At AUTONET we aim to make that choice easy for you, we search through insurers throughout the whole of the UK, including big names like Axa Insurance, Norwich Union, and HSBC. Our detailed search on your behalf means that ringing around is no longer something you need to do, and because we have such a massive insurance database we can offer huge savings and discounts. Once you have taken our policy we have a dedicated customer service team waiting to help you with any need you may have and a 24 hour a day all year round claims service. To put it simply no matter what car you have, no matter how old you are and no matter what price you have AUTONET insurance is the place for every one of your insurance needs.