It is illegal to drive a car without insurance and if you do attempt to do this then you will most likely find yourself in a lot of trouble and either be given a fine or possibly a jail sentence, so not obtaining the correct insurance for your car is really not worth taking such a big risk.

There are a huge range of car insurers and specialist brokers that can offer you car insurance quotes within the UK. It can seem like an impossible and worrying task trying to find the best premium for you as you want to find a good deal but also need to find a policy that will cover you for what you feel is necessary.

The type of car that you are in possession of is perhaps considered to be the biggest factor when creating the cost of your policy. Many insurance companies look at cars in terms of price brackets which are primarily dependent upon how great the engine is and therefore the bigger the engine capacity on your car, the more you will be expected to pay.

There are three main categories of car insurance that are currently available and the one that you feel is the most suited to you will be based upon your own needs and what you feel you need to be covered for. These three types of insurance are known as Third Party only, Third Party Fire and Theft and Comprehensive.

Third Party only will cover you should any damage result to a third party's property or to the third party. If you have an accident that results in some damage to another car or injures the persons occupying that car, then this policy will pay and cover the costs for any type of repair that may be necessary to the vehicle and any health claims or injuries that occur to any of the persons of the other car and any occupants that may have been injured whilst in your car.

This policy will not meet any of the costs if you should need to make repairs to your own vehicle or any health expenses should you also be hurt. You should also be aware that should your vehicle be stolen or set alight then this type of policy will not make any payment toward the theft, should your car be stolen, or the cost of any repairs for this so if you leave your car for long periods of time somewhere not particularly safe then this may not be suitable for you.

Third Party Fire and Theft is basically offers the same cover as a Third Party only policy; with the exception that in this case, Third Party Fire and Theft policies will also pay towards cost in the should your vehicle be stolen or set alight, which may offer you greater peace of mind.

A comprehensive insurance policy will meet the costs of any damage to the third parties car and any injuries that occur, and will also pay should your vehicle be taken or set alight, and will also pay-out a claim for any damage that occurs to your vehicle and does not depend upon the person to blame for the accident. As the name implies, this is much more comprehensive then the other two types of insurance, so if your car is particularly valuable or if you just want to have greater protection should something happen to your car, then this would be the most sensible policy to opt for.

Of course, when you ask for car insurance quotes, you can always ask for a quote on Third Party Fire & Theft terms and a quote on Comprehensive terms - that way you can look at the difference in cost of each type of cover, and make up your own mind as to which policy best suits your particular needs.