There's one main reason why you need car insurance: the law. The Road Traffic Act says that drivers must have insurance that will cover the treatment costs if someone else gets injured, or the repair costs if another person's property gets damaged.

As these costs can be very high, your personal reason for having car insurance is to make sure, if you have an accident, that you have the money to pay them.

This means that you need Third Party insurance at the very least. Once your basic liability to others is covered, it's then your choice how much more cover you want to buy, depending on how much protection you want for yourself.

KwikTip: always get a car insurance quote from Direct Line too,
as they don't take part in the price comparison websites.

This KwikGuide will tell you all you need to know about car insurance; the different types and features of insurance, how to choose the right policy, highlight common mistakes and give tips on how to cut the cost.

When you have all the info you need, go to our useful links page and use the links to a wide range of well-known insurance providers and comparison websites to find the best deal for you.

As you go, fill in the details of the policies you find out about on our unique Compare-a-Quote form, to ensure they're not only the cheapest deal but the right deal for your needs.

If you can't find the policy details the form prompts you to investigate on their websites, call the insurance companies and ask. But always go back to their website to actually buy, to make sure you get the useful discount for buying online that most insurers offer.

Click below to turn to the next page and read about types of cover you can get.

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car insurance - types of cover >>