Car Insurance

Car insurance is a legal requirement for people wishing to drive a motor vehicle on the road. Car insurance firms will assess factors such as the age, sex and health of the motorist and the condition and age of their vehicle in order to determine the likelihood of their being involved in a car accident or the vehicle breaking down and requiring repairs.
Some types of car insurance will also protect the driver and vehicle if they are involved in a collision that is caused by another driver. Many car insurance firms will offer their customers a courtesy car if for some reason their vehicle is out of action for any length of time.

Men, especially young men can expect to pay a higher insurance premium than their female counterparts as statistically men are more likely to be involved in an accident and cover more miles than women do on average and thus in the eyes of insurance company have a higher liability. Also, young people can expected a surcharge, as they are inexperienced as drivers, although again young men can expect a higher charge than young women as statistically young male drivers have a high likelihood of crashing their cars. However there are schemes, such as pas plus which will allow younger drivers to lower their car insurance premiums upon completion of the course.