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Compare Cheap No-Fault Car Insurance

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.

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How much does car insurance cost?

Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.

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Compare Cheap No-Fault Car Insurance

What is No-Fault Car Insurance?

No-fault car insurance, also called Personal Injury Protection (PIP), provides coverage for you and your passengers’ injuries, regardless of who is at fault. It ensures that your medical expenses, such as ambulance fees and hospital visits, are covered without needing approval from the other driver involved.  

Opting for no-fault car insurance can lower premiums while maintaining comprehensive benefits. You’ll receive the same level of coverage as traditional insurance, along with additional perks like simpler claims processes, the freedom to choose your repair shop, and peace of mind without the stress of determining fault in an accident.  

What Does No-Fault Insurance Cover?  

No-fault car insurance is a type of personal automobile insurance that covers drivers and passengers involved in motor vehicle collisions, regardless of who is at fault.   

Coverage Provided by No-Fault Car Insurance:

Factors Affecting Coverage Amounts:

There are a variety of factors that can affect your coverage amount. Here are some of the most common:  

In summary, no-fault car insurance ensures coverage for medical expenses, wage loss, and more without the need to determine fault in an accident.  

Is it Expensive to Add No-Fault to My Car Insurance? 

No-fault car insurance ensures that your insurance company pays for your losses, regardless of who caused the accident. This system is named “no-fault” because it provides coverage even if the other driver is uninsured.  

Is it worth the cost? Absolutely. Adding no-fault coverage is often more cost-effective and improves overall safety. Even if the other driver is at fault and uninsured, your insurance company will handle the expenses, ensuring you aren’t left to cover the costs yourself.   

Savings on No-Fault Car Insurance  

We know that insurance can be costly, especially after you’ve been in an accident.   

Half of our customers were quoted less than £350* for car insurance when they used our comparison tool. To see what you could potentially save on your insurance, complete our form today.  

How Does No-Fault Car Insurance Work?   

No-fault car insurance allows you to claim compensation for personal injury caused by an accident, regardless of the fault of the person who caused the accident. The UK government introduced the scheme in 1988.   

Here’s how it works:   

How Much Does a No-Fault Claim Affect My Insurance?   

The number of no-fault claims you make will affect the price of your premium depending on how each company classifies them. Non-fault accidents are counted as one claim, regardless of how many vehicles were damaged.   

If you have an accident, your car insurance will normally increase—how much depends on various factors.   

Insurance companies use complex equations to determine how much your rate will go up, based on the laws of your country. The following are some determinants:   

Do Insurers Offer No-Claims Bonuses in The UK?   

The simple answer is yes.   

In addition to no-claims discounts, some insurance providers offer bonuses for years of safe driving. However, many people don’t realise these offers exist and often accept their renewal quote without reading through it closely.   

A no-claims bonus is a reward for being careful. If you drive carefully and keep your car well-maintained, you are unlikely to need an accident claim. In that case, your insurance company is making money by keeping your premiums down, and they would much rather keep you as a customer than have to replace your stolen car.   

Insurers tend to offer no-claims discounts after six years of no claims, and the discounts can vary widely between companies (most offer around 10%).   

The no-claims discount can be worth around £250 a year. So, if you have an accident and your insurer gives you a no-claims discount of 10%, you will get off your accident premium of £250. However, you will still have to pay an excess of £250.   

However, your insurer could cancel the no-claims bonus if you have already had an accident.   

Search for No-Fault Car Insurance with Insuro   

Insuro makes finding competitive insurance quotes tailored to you easy.   

Our comparison tool searches for the market’s most competitive insurance deals from over 110 providers, so we’re confident we can help you find a quote that’s right for you.   

How It Works:   

If you’d rather get vehicle insurance quotes over the phone, please call 0800 0316 311.   

Get started today and experience the ease of Insuro. Find your personalised no-fault car insurance quotes here.  

*50% of customers who bought car insurance through this comparison service, provided by Seopa, were given quotes of less than £350 (Jan ’16 sales). 

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