The need to have car insurance is not a matter of question. However, there are a lot of different forms of car insurance available from the major firms such as Endsleigh, making it useful for car owners to know what cover each one provides, before they start looking for the most competitive deals.

Third party insurance

Much as with bikes, Third Party Insurance offers the most basic level of protection, covering you financially if you are liable in an accident causing damage to another car and/or injury to a passenger in your own vehicle. In the case of passenger injury, the policy will probably cover the costs of emergency medical treatment, but not longer term care. In addition, the name ‘third party’ insurance clearly indicates what it does not protect you against: injury to yourself or damage to your own vehicle. This is often, though not always, the least expensive type of car insurance policy, making it best suited to those on low incomes such as students.

Third Party Fire and Theft insurance

As the name suggests, this is Third Party Insurance with extra coverage. This type of policy will also cover the theft of your vehicle, or damage to it, caused by fire. It may include protection against other forms of damage, but these terms will vary depending on the company.

Fully Comprehensive Insurance

Again, the name fairly clearly indicates what this covers. Although these policies often carry higher premiums, the total coverage they provide, usually including optional extras, means that they often prove to be cost effective in the long term.

Short Term Insurance

This type of car insurance is more specialist oriented, suiting those who will only be using a vehicle for a limited time but need to remain within the law. If you are buying a car, Short Term Insurance will cover you while you have the vehicle for a trial, test-driving period. Equally, if you are unable to use your own car, Short Term Car Insurance will allow you to use a temporary courtesy vehicle or a rented one, for a short period.

Pay As You Drive Insurance

This is a comparatively new option, where premiums are based on when, where and how often you drive. For example, if the vehicle is utilised on motorways during peak traffic hours, the premium will be more expensive compared to that of someone driving in a remote area in the early hours. It is considered a cost effective option for people who drive either infrequently, or during non-peak traffic periods.

People who ride motorcycles are hardly the dangerous renegades depicted in most Hollywood flicks. It certainly doesn’t take a taste for the anti-social and a fetish for leather to enjoy riding your own motorcycle, nor do you need to join a biker gang to capitalize on all the benefits.

The Cat1 Uber-bike is created by Byron Hemmes. This Jaguar Concept Motorcycle is powered by a 1200cc Buell 97 S3 Thunderbolt engine and the body is made of high-quality stainless steel and the leaping jaguar on which the rider sits has been covered in high-end ebony lacquer.

• Length: 2.3 meters
• Wheel center to center: 1.7 meters
• 1200cc Buell 97 S3 Thunderbolt engine
• Body made from high-grade stainless steel
• Air intakes and exhaust system custom-engineered to suit cat profile
• Cat fairing: Fiberglass finished in ultra-high-gloss ebony polyurethane lacquer
• Handlebar width: 1 meter
• Weight: 360 kg
• Seat: Stingray