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As well as understanding an excess, knowing the difference between the three main types of car insurance is a must: 1. Third party Third party is the minimum level of cover you need to legally drive or even keep a vehicle that has not been SORN-ed (see Gov.uk for more). It can be the cheapest option but it covers very little, only protecting others on.
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Short term cover is the ideal solution when you only need a car for a few days or weeks, but if you need cover for longer it can be cheaper to get annual insurance and cancel it.
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Black box ‘telematics’ car insurance bases your policy premium on how you drive. Find out how black box insurance works, see which insurers offer black box insurance, and everything you need to know about black box cover.
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