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A Guide to Car Insurance

Selecting the right car insurance for your needs and your budget is arguably one of the most important decisions you’ll make when it comes to your car. Why? Because it impacts your financial freedom. High insurance premiums mean less cash in your pocket every month, but they could also mean more coverage and financial protection if anything goes wrong with your car. Opt for lower premiums and you might experience financial stress when it comes to claiming for issues with your car.

You see, it’s all about finding that elusive middle ground. Don’t worry, we’ve got your back though. MotorHappy is here to help you through the process – contact us at any time for multiple quotes and assistance in comparing those quotes. In the meantime, this handy Guide to Car Insurance will make things a little clearer.


Comprehensive Car Insurance

In the event of an accident, Comprehensive Car Insurance covers you for damages to your vehicle and damage caused to other parties and their property. This insurance policy also covers your vehicle from fire, theft, hijacking and natural disasters.

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Making a Car Insurance Claim

Being in a car accident is stressful enough, so here you will find everything you need to know regarding accident-related claims on your Car Insurance. It’s handy information that will help take the admin out of making a car insurance claim.

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Car Insurance for under 25s

If you are looking for Car Insurance and you are not yet 25 years of age, you will soon discover that your age is a major factor in your risk profile, and that insurance providers classify you as a higher risk when they calculate your monthly premium.

Before we discuss the different type of Car Insurance available for drivers under the age of 25, it’s probably best if we explain why it is that drivers under the age of 25 pay more to insure their cars.

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Third party, fire and theft

Third-party, Fire and Theft cover falls between comprehensive and limited liability. This type of insurance is an option if the vehicle is older, paid off and is not worth much.

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Third party only

Third Party Only car insurance makes sure you're covered when somebody else claims against you if you cause an accident or damage when driving.

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Car Insurance premiums & excesses

Car insurance is one of the most important types of insurance you can have. More and more insurance companies have started offering great value for money, and once you understand Car Insurance Premiums and Excess, you will be armed with all the information to select the best insurance partner.

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