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Car Insurance - Answering the Frequently Asked Questions

Making sure that you get the right car insurance is of paramount importance to all motorists but the world of car insurance is often quite overwhelming for those not familiar with it. There are a number of frequently asked questions that shed light on car insurance.

There are, of course, a veritable multitude of car insurance policies available on the market which can often make it difficult for motorists to decide which is the right one for them. The main reason that many people often struggle to establish which variety of car insurance is right for them is due to a lack of understanding surrounding the ins and outs of car insurance. However, by looking at the most commonly asked questions pertaining to car insurance most motorists will be able to acquire a greater understanding about how the process works and how the various mechanisms have a bearing on their coverage.

Car Insurance - Revealing the Ins and Outs of Car Insurance

Obviously, car insurance is something that you are legally obliged to have but there are so many policies on the market that choosing the one that is right for you can often be quite overwhelming. Just some of the most commonly asked questions regarding car insurance include:

Q: What happens if I am hit by an uninsured driver?

A: If you are hit by a driver who is uninsured, then you should speak to your car insurance provider and they will advise you of the best course of action. Generally speaking, you will still be able to make a claim to cover any personal injury incurred by the accident. Also, if it transpires that the other driver doesn't have car insurance or refuses to give you their car insurance details then you should contact the police as soon as possible, as it is an offence to drive a vehicle without the requisite car insurance.

Q: What is an excess?

A: Many car insurance policies have an excess on their coverage which refers to an amount that the policy can pay towards the repair of a car in the event of an accident. With many car insurance policies, however, it is usually possible to reclaim this cost from the other driver if their were deemed to be solely at fault for the accident.

Q: What's a no-claims bonus?

A: Essentially, a no-claims bonus relating to car insurance is a way of keeping premiums as low as possible. A motorist who has had no accidents during their car insurance policy is obviously a lower risk and car insurance providers tend to reward such drivers with lower premiums for their coverage.

Looking for Car Insurance? Speak to City Insurance Group

City Insurance Group are one of the UK's leading suppliers of car insurance, home insurance and business insurance. City Insurance Group are an established company which have been offering insurance policies since the 1980's and boast thousands of satisfied customers who are delighted with the low premiums that are on offer. City Insurance Group provide their customers with a first rate service and offer knowledgeable and professional staff ready to offer advice on the car insurance, home insurance and business insurance policies that they have available. To find out more about the insurance policies on offer from City Insurance Group, just call 0800 0121 014 or email

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City Insurance Group is a trading style of City Broking Ltd (No 7184645) Registered in England and Wales. Registered Office: 88/89 High Street, Winchester. SO23 9AP England. Authorised and Regulated by the Financial Conduct Authority (No 520574)