So, Why Do We Need Car Insurance Anyway?

If you find yourself wearily sifting through car insurance providers and questioning your sanity, we’re here to lend an ear.

You may be surprised to learn the origins of insurance. In 1752, Benjamin Franklin created insurance to protect citizens against the perils of fire. And much like fire, the idea spread. 

(It also happens to be Guy Fawkes’ Night, so we had to get something about fire inserted into today’s post!)

But mostly, this is about why it’s important to have car insurance, especially if you’re in the UK.

Why Should I Insure My Car?

The main reason is quite obvious: it protects you financially from the many risks and hazards that could fall on you whilst out and about in your car. It also protects other drivers. Essentially, car insurance will give you peace of mind, should something go wrong.

So, technically, it isn’t your vehicle that’s insured, it’s actually you! If you didn’t know, the minimum requirement for car insurance is third-party protection. Check out the Road Traffic Act 1988 for some more information and light bedtime reading.

If you do have a car that hasn’t been insured, you should get a SORN. This means you have legally declared your motor to be off the road.

What’s the worst that could happen?

If you’ve been driving for a while, you probably know that car insurance is required by law. Without it, you could be facing some pretty hefty fines. 

£300 (fixed penalty notice) plus six points added to your licence is a given, but don’t take that as gospel. You could find yourself paying much higher than that (an unlimited fine), especially if you end up in court. From there, you could even become a disqualified driver, and no one wants that!

If that wasn’t enough, there is more. Much more.

We’ll make it short and sweet, but you could have the following happen:

  • Car impounded alongside £20 each day (this charge is for storage costs)
  • A collection fee of £150, to recover your car
  • If you don’t claim your car within 2 weeks, it could be crushed

It’s just not worth it, is it?

That’s why we’ve taken the liberty of providing you with the cheapest car insurance deals around. Plus, it only takes 3 short minutes to find out how much you could save!

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