What are the Most Common Types of Automotive Insurance?

What are the Most Common Types of Automotive Insurance?

6 Types of Vehicle Insurance

If you’re going to be taking a car out onto a UK road, then you’ll need to abide by the legal requirement to get it insured. Investigate the matter a little further, and you’ll find that there isn’t just one sort of cover available, but several, each catering to a specific niche.  Let’s look at what these various categories actually mean.

Car Insurance

Standard car insurance will help you to cover your legal obligations. It comes in various levels, including third party, third-party fire and theft, and comprehensive. The latter is the only type of cover that will protect you against an accident that was actually your fault – thus it’s perfect for those looking for peace of mind.

Sound System Insurance

Among the most intricate and specialized parts of your car is the audio system. If you’ve spent a lot of money upgrading your cabinets, and installing a subwoofer in the boot, then you’ll want to look for a specialized insurer to protect it against theft and damage.

Tire Insurance

Among the most underappreciated cost of running a vehicle is the price of replacement tires. Depending on your driving habits, you’ll find that you have to fork out for a new set of tires every few months in order to stay above the minimum legal tread depth of 1.6mm. Tyre insurance will cover you against this cost, as well as the cost of a sudden puncture. It’ll cover both repairs and replacements.

Alloy Insurance

Alloy insurance is often bundled alongside tire insurance. It amounts to much the same thing, except that this time it’s the wheels being insured rather than the tires surrounding them.

Classic Car Insurance

Specialist vehicles deserve specialist insurance, and there are few vehicles more specialized than a classic car. Functionally, insurance of this sort works the same as standard car insurance. The only difference is that you’ll have an insurer who knows exactly what they’re doing, and won’t treat your vintage E-type as though it’s a modern fiesta. That way, you can be sure your vehicle is in a safe pair of hands in the even that something goes wrong.

GAP Insurance

Guaranteed Asset Protection is designed to cover the cost of depreciation on a brand-new car. If your new car is totally written off, then you’ll lose money on a replacement, as the insurer will only pay out for its current value. Whether GAP insurance is worthwhile will depend on your circumstances and the nature of your purchase.


Bryce Newell is an automotive enthusiast who loves to write about the latest news, products, and DIY projects. While Bryce is an amateur in the field, he is passionate about cars and has been since he spent weekends in the garage helping his dad rebuild a 68 Dodge Charger as a kid.

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