Budget Insurance offers simple, flexible car insurance, whatever the level it is looking for.

Why do I need car insurance?

There is a legal requirement in the car insurance UK fixed in the Road Traffic Act 1988. Car insurance provides financial protection to the registered keeper and another driver in the event of an accident.

Car insurance is to protect you in the event of an accident, including taking care of many things; Vehicle damage costs, repair costs, and costs associated with injuries caused by road traffic accidents. Your car insurance also protects you if your car is stolen or vandalized.

How many car insurance groups are they and what do they mean?

There are 50 different car insurance groups in the UK in which 50 are the most and 1 is the lowest. The lowest car insurance group offers the cheapest car insurance premium.



When a new passenger car is manufactured in the UK it is reviewed and classified by the group rating panel which meets on a monthly basis. The panel is made up of members of the British Insurance Association (ABI) and Lloyds Market Association (LMA). When the group meets, then review some aspects of the car and then indicate the risk to insurance companies, they take into account such aspects:

Cost of replacement parts after damage
Car purchase cost
Car performance
Car safety level
Body shell availability
Average car repair time
It is worth noting that the proposed groups are not binding, but simply recommendations. Generally, in the shell of the nut, it means that the higher the insurance group, the more risk you give to an insurer and therefore, in most cases, the more your insurance.

What types of car insurance are available?

It is easy to get confused when trying to understand what level of cover is better for you, so make sure you do your research carefully. This way you can be confident that you buy the right policy for your particular circumstances.


There are three types of car insurance available in the UK:

Third-party

This is the legal minimum level of insurance available in the UK. If you cause damage or injury to another person, animal, vehicle or property then third party insurance provides cover in case of an accident but does not cause damage to the driver’s own vehicle.

Third-party, fire, and theft

This includes fire and theft of your vehicle in addition to third party cover.

Comprehensive

This is the highest level of insurance available in the UK. Comprehensive insurance provides cover if your car is stolen, damaged by fire or accidentally damaged. If you are involved in a road traffic accident and are covered for claims made by your vehicle to your property by others for bodily injury or damage, then you are covered.

Budget Insurance provides all three levels with the option of adding some great additional products to your car insurance package. Different levels of cover allow you to select a product that is best suited for your insurance needs.

Why should I get car insurance with budget insurance?

Budget car insurance provides you with simple, flexible car insurance, looking for any level of cover. Budget Insurance allows you to decide whether you want to make a one-time annual payment for your insurance, or you want to spread the cost in monthly payments (subject to condition).

Along with offering great car insurance, we also understand how important it is for you to provide the highest level of support. This is why we claim a 24/7 UK helpline is all you need. If you have any questions about your car insurance quote or your current policy then our UK based customer service team is also on hand.

To make life easier for you, we also have an online self-service center available seven days a week, seven days a week where you can pay, revise your policies and view all your insurance documents. Can print and print.



Am I insured on any car I drive?

Where this used to be the case with most insurers, that if you have comprehensive car insurance, you can keep any car with third party cover, this is now a common feature, with each insurer having its own terms Is on

Some insurance policies do not cover you to drive other vehicles, some allow it at an additional cost and some only offer this benefit on an ’emergency’ basis. The answer to this question is not a clear answer. You have to mention the terms and conditions of your insurance company to run the other cars.

What does the compulsory excess mean?

There is extra money you will make; It is necessary to pay your insurance. A mandatory extra is an amount your insurer sets and is non-negotiable. This amount depends on your age, type of claim and type of car.

The compulsory excess amount is added to the voluntary excess amount so that your total excess should be claimed to you. This amount will be mentioned in your policy documents.

How do I claim for pothole damage?

If you are unlucky enough to damage your car by hitting a pit, then in order to make a claim, first of all, you will need to get as much information as possible,

Where the pit is (street name, city, postcode, etc.), pit measurements (include pictures if it is safe to take them), contact details of anyone who hit the time and date

Once you have pulled all related information together you will have to contact both the council and your insurance company. It is advisable to contact your insurance company first, because their terms related to pit related claims may vary.



The AA advises you to ‘write to the council responsible for the road with all the details you have collected, including copies of your quotes, invoices, and receipts’. This may not be an easy claim process, unfortunately, and your third step may be to appeal to the council to rely on the decision.

For more information about the pit claim, contact your insurance company for the first time.

How do I transfer insurance from one car to another?

To transfer your insurance from one car to another you will need to contact your insurer in the first instance to advise them as to your new vehicle details. Your insurance will then recalculate your price and offer you the option to either insurer your new vehicle or cancel your policy. You will have to pay either a mid-term-adjustment or cancellation fee to cover the administration involved in changing your insured car.



Please be advised that, if you choose to cancel your policy it is up to you to get alternative cover. Please be aware that it is against the law to drive a vehicle on a public road without insurance.

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