When it comes to passing your driving test and getting your first car, vehicle insurance can seem like a bit of a burden. It is often full of high premiums because you’re a new driver, and when coupled with all of the additional costs of passing your test that you probably wouldn’t have had to pay before, it can lead to you having some doubts about whether it’s worth insuring your car. However, we’re here to tell you that it is absolutely vital and in fact is one of the most necessary types of insurance plans that you will need throughout your life. There are a few reasons why it is important to make sure that you have your vehicle insured.

Finding the Best Quotes

Heading online and looking at comparison websites is easily the best way to make sure that your car is insured without you having to worry about extreme costs. This way you can compare a huge range of sites in order to get the very best deal that suits your budget and the car that you have. However, in addition to regular insurance, you can also get additional protection known as GAP coverage. Buying GAP insurance cover online is easy and will help to cover the difference between what your car is worth and what you owe on the car if you have it on finance, removing the financial burden if it’s written off.

Law

It’s actually illegal to not have car insurance, with the UK Police, Motor Insurance Bureau and DVLA all working together in order to ensure that every driver on the road has the correct insurance. In fact, now with new modern technology, all it takes is a computer database through number plate recognition for the police to know whether your car has insurance, MOT and tax, and if you are the vehicle license holder.

Road Accidents

One of the biggest benefits of having vehicle insurance is in the event of an accident that wasn’t your fault. There are times when acts of nature can cause damage to your car too, or if you are not the cause of an accident, simply because mistakes happen and the other driver is at fault. Insurance is just a small price to pay each month or every year compared to how much you would have to pay if you were to ever experience a car crash or damage to your car. Without car insurance, you would have to pay this all out of pocket. And if the accident causes so much cosmetic damage that it’s deemed a write-off and you can’t drive it anymore, nobody will fix it, and without insurance you won’t be able to get a claim.

If you are injured in an accident on the road, and you are not at fault for the accident, then you can also claim injury compensation through your insurer, who will battle with the other person’s insurer in order to provide this for you. Insurance for your vehicle is simply a great way to keep your peace of mind intact. Previously, people have been known to lose major assets because they didn’t pay the minimal cost of having insurance in the first place. Insurance can also help to pay for vandalism and theft, so you know that you are protected whether you are driving your car on the road or if it’s stolen while parked in your driveway.