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    Motoring In The UK
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Motor Insurance

Motor insurance is mandatory and it is against the law to drive without it. It is always worth shopping around for the best premium, it’s an annual pastime for most drivers in the UK.

Click here for a list of some UK Motor Insurance Companies and Brokers.

Insurance companies tend to offer tempting deals for one year then to substantially increase their premiums for the 2^nd and 3^rd years making them less competitive. They rely on the inertia of the motorist to renew their policies with them.

Many UK direct insurance companies will refuse to consider drivers who do not have a UK driving licence. However, the Relocation Bureau will be able to help by referring you to a local insurance broker who has the necessary experience and expertise to find suitable insurance for you.

There are 3 levels of cover: -

Third Party only – this is the minimum level that legally you must have and will only pay for damage to a third party’s vehicle not your own.

Third Party, Fire and Theft – in addition to third party this also covers you for fire damage, theft of your car and, if it is recovered after being stolen, any damage done.

Full Comprehensive – this will cover the full cost of repairs to a third party’s vehicle and to your own up to the market value of your car. You may have to pay the first £100, or any other policy excess agreed with the insurance company, of any claim.

No Claims Discount

Insurance premiums are high for first time drivers but insurance companies offer ‘No Claims Discounts’ to encourage safe driving.

These discounts range from 30% after one year up to 65% or even 70% after 5 years.

Any claims during this first 5-year period will cause your discount to be reduced to the level of 2 years earlier.

Once the full discount has been achieved paying a slightly higher premium can protect it. Normally 2 claims in a 3 or 5-year period are allowed before your discount is affected.

Premiums

The cost of insuring your car is determined by many criteria: -

The size and performance – a 1000cc runabout will cost less than a BMW or Porsche. Cars are classified into groups from 1 to 20 for insurance purposes, the higher the group the higher the premium.
A typical family saloon will be classified between groups 6 and 12 depending on, for instance, engine performance and desirability (by thieves as well). Different insurance companies will have the same model in a different group so shop around.

Your driving history – taken into consideration are your age and experience, accidents, speeding fines, drink-driving convictions and any other driving convictions. Where you live and whether your car is garaged overnight.

How many are miles are driven each year.

Extras such as No Claims Discount protection, legal protection and the cost of renting a car in the event of damage or theft.

Reporting Accidents and Insurance Claims

Accidents must be reported to your insurance company as soon as possible.

If another vehicle is involved your names, addresses and insurance details must be exchanged.

It is an offence not to stop. In the event of personal injury to any party the police will need to be involved.

Most insurance companies insist that you do not admit liability even if an accident was clearly your fault, as they will handle the claim with the 3^rd party’s insurance company on your behalf.

You must report theft or vandalism to the police as soon as possible after you discover it. The police will give you a reference number that the insurance company will need.

Further information on accident reporting can be found on the Department of Environment and Transport website and the Highway Code (copies available from The Relocation Bureau) also provides a comprehensive list of procedures to follow in the event of a breakdown or an accident. http://www.roads.detr.gov.uk/roadsafety/hc/13.htm

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