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Car Insurance

Whether you are a new driver and are searching for car insurance for the first time, or you need to renew your policy for the next year, there are so many things to consider. 

With much to think about, scoping out the best policy can become time-consuming and a little overwhelming. That's why here at LycaInsure, we are on hand to help find the best deal for you.

Get a FREE quote today

Here at LycaInsure, we believe that organising and buying insurance needn't be a hassle. We will help you find what you need in no time at all and provide you with the facts so you can make the best decision. And with our secure website, you'll be safe in the knowledge that your data will never been sold on. After all, insurance is what we do. 

 So don't delay! Get your FREE quote today.

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Your questions answered

What is car insurance?

Coverage depends upon the type of policy you choose. A minimum of third party insurance is required by law and, subject to the type of insurance you choose, your policy will reimburse you if your car is stolen, damaged or has suffered fire damage.

What type do I need?

Although we know it is a requirement under law to have car insurance, how much cover and what type you buy is entirely up to you. 

There are three main common types of car insurance available: 

  • Third-party: covers damage to other vehicles, damage to property and injury to other people. This doesn't cover damage to your own car or any injuries you may suffer in a car accident. 
  • Third-party, fire and theft: provides the same cover as third-party, but with the extra protection if your car is stolen or catches fire. 
  • Fully comprehensive: provides the same cover as third-party, fire and theft but also covers damage to your own car, even if the damage was caused by you. Fully comprehensive cover often includes protection for windscreen damage too.

What is an excess?

An excess in car insurance terms is an amount that you are required to pay towards any claim you make, so the process can go ahead. For example, if your claim is for £2,000 but your excess is £400, you would have to pay the first £400 and your insurer pays the remaining £1,600.

It's worth bearing in mind that excess comes in two types: 

  • Compulsory - a sum that is fixed by the insurer and cannot be changed. 
  • Voluntary - a sum that is agreed between the driver and insurer.

How much is car insurance?

The cost depends on a range of factors. When providing a quote, insurers will look at various aspects such as your postcode, annual mileage, the make and model of your car, as well as the amount of time you've been driving and any accident history. Once insurers have this information, they can make an informed decision and provide you with a quote.