Guides & Tips Community Compare Car Companies Car Insurance Companies More Car Insurance Options Why Us?

Why it is So Important to Get Car Insurance

Apr 21, 2011

Believe it or not, there are many people driving about on our roads without car insurance.  For most of us this is unthinkable as we know that besides the fact that it is against the law to drive without insurance, it can also protect us financially.  The problem that a lot of people have is that they feel they are paying for car insurance unnecessarily.  They wonder why they should be paying for something that they are never going to use.  But at the end of the day, you just can’t know whether or not you will ever need to make a claim on your car insurance.  And the whole point of car insurance in the first place is to be a safety net ‘just in case’. 

It does not matter if you are short of money or whether you feel insurance is unnecessary, at the end of the day you really do not have a legal choice over whether or not to insure your car.  If you are caught driving without insurance then you could face a fine, points on your licence or a prison sentence.  Below are a few reasons why it is so important for you to insure your car:

•    As mentioned above, it is a legal requirement to have sufficient car insurance for any car that you take out on the road.  Driving without insurance could mean huge trouble for you if you are caught.
•    Not having car insurance could be a financial nightmare for you if you were to be responsible for a car accident.  If you cause damage to another person’s car or if you cause an injury to another driver or passenger and you don’t have insurance, you could find yourself facing huge bills which you will probably not be able to pay.  On top of that, you will more than likely face a huge fine or prison sentence for not having the car insurance in the first place.
•    Car insurance is also a financial safety net for vandalism and theft if you have this cover in place.  If your car was stolen or vandalised then you could make an insurance claim to cover your losses.  If you did not have any insurance then you would have to suffer these losses yourself.

Hopefully you will never have a car accident but if you do then at least you will have the peace of mind that you are not going to face financial ruin because of it provided of course that you have car insurance.