Direct Insurance Car
Direct Insurance car is all about protection and security for you and your car. It safeguards your car from any type of :
- Severe head on collisions
- Roadside accidents
- Robbery of car belongings
- Theft of your vehicle
To protect your self from these situations you buy an insurance policy directly from a car insurance company. You do not get an agent involved nor do you ask someone from your family to buy car insurance on your behalf. You are involved in the purchasing of car insurance right from the beginning. This process is known as direct insurance car.
Necessity
When you are driving with a million things on your mind, you run a high risk of getting into a car accident. Even if you are all clear, you never know what other drivers are preoccupied with and you can get into a crash due to their fault. If you do not have a car insurance policy, you can wind up in a ton of debt. Direct insurance car is there to protect you and your car from this situation. An additional problem is vehicle crime which is growing steadily in the UK. According to metropolitan police in London :
- 50,000 vehicles are stolen in the UK annually.
- 40% of stolen vehicles are never returned.
- Older cars are more likely to be stolen than newer cars.
- Property is stolen from cars every 13 seconds in England and Wales.
These shocking statistics on vehicle crime emphasize the importance of purchasing a car policy. A direct insurance car will safeguard your car from theft and vandalism. Even if it does get stolen, the financial loss will not be so huge if you have liability coverage.
The need for direct insurance car is a legal necessity according to the Road Traffic Act (RTA). This act states that every vehicle driver and owner in the UK has to have a minimum of third party coverage. This kind of coverage covers the other party in an accident for bodily harm or vehicle damage. Bodily harm includes medical bills, lost wages and physical injury to the third party.
You can buy supplementary direct insurance car to provide extra protection to your car. One of these is fire and theft car insurance. This covers any type of sudden fire within your car, theft of your car or theft of items installed in your vehicle. Another type of car insurance that is widely available is fully comprehensive direct insurance car. This includes third party coverage, fire and theft coverage. It also covers any physical injury to you and any damage to your car.
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