Car Insurance Terminology Clarified to Make Getting a Policy Easier

When looking to buy car insurance,does the terminology and technical language put you off? If so, this article will attempt to explain the meanings of the phrases to make it less of an ordeal when insuring your car.

Third-party-only cover is the very basic of all insurance policies. It protects you if you cause death or serious injury to a third party, including occupants in your car at the time. It will also cover you, should you accidentally damage another person's property.

Third party fire and theft cover will protect you against the risks mentioned above, but will also provide you with cover against fire damage or theft of your car. Items that are in your car, are likely to only be covered by a nominal amount, so any other items that are unspecified should be added to your home insurance to protect them this way.

Comprehensive cover protects you against loss of your vehicle or damage to it through vandalism. It also includes third party fire and theft cover.

Certain medical conditions should be declared to your insurance company when purchasing cover. Any condition that affects your ability to drive has to be disclosed. These include conditions such as visual disabilities, a tendency to suffer blackouts, if you are diabetic or have had a stroke. If you have a medical condition but are unsure if it will affect your insurance, always inform the insurer to be safe.

Foreign use relates to whether the policy covers you to drive your car abroad. Most policies offer a minimum legal cover to drive in all EU countries, but for full comprehensive cover, a Green Card will be required. If driving in Spain, a bail board will be needed. It is best to check with your insurer.

Material facts are pieces of information that could influence your insurers' decision to accept a policy application during its assessment. If you are unsure about whether information is material or not, always disclose it so your cover is not affected.

Modifications are bits of work your car has undergone, including alterations to the engine, suspension or bodywork. All modifications that occur have to be reported to the insurance company who have offered you your policy.