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Insurance is gender blind and has been since the European Court of Justice ratified the Gender Directive. This made it illegal for insurers to offer “car insurance for ladies” or in any way base their quotes on whether a driver is male or female. It didn’t change your options when it comes to basic car insurance, however, as the same choice of three levels of cover remains:
The highest level of cover available protects you, your passengers and your car following an accident regardless of who’s to blame. It also covers anyone else harmed in the incident and pays out if their vehicle or property is damaged or destroyed. Fire damage, theft or attempted theft of your car is also covered.
Third-party, fire and theft (TPFT) won’t cover your injuries or damage to your car following an incident, but it will protect others, including their car or property, as well as paying for fire and theft losses involving your car.
This is the most basic level of cover that’s legally allowed in the UK. It won’t pay for any losses you incur but will cover other people, including any passengers you’re carrying who are injured in an accident. It’ll also cover any damage or loss to another person’s property, as well as any injuries they sustain following an incident involving your car.
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