What is Third party fire and theft Motor insurance?

Whilst technically your legal requirements for motor insurance are covered by a third party only policy they only protect the people with whom you share the roads, not yourself. The law requires that people who are involved in an accident that is not caused by themselves, be compensated. So, with third party insurance you may be protected against other people's claims against you, but not if you are responsible for the accident.

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What is a Comprehensive Motor Insurance policy cover?: Comprehensive cover is when you cover your vehicle against most forms of damage that may occur to your vehicle. This doesn't mean you are covered for absolutely everything. If you look in depth into your comprehensive car insurance contract you'll probably find some significant exclusions.
Why do some Motor insurers specialise in just lady drivers?: Every Motor Insurance company is different, each have specific market niches that they try and specialise in, some choose mature drivers, some lady drivers and some young drivers.
What are the road tax rates by specific type of vehicle?: The collection and administration of road tax is done by the DVLA (Driver and Vehicle Licensing Agency). The DVLA is responsible for all regions of the UK. Their aim is to facilitate safe and responsible driving throughout the UK. In addition to road tax they are also responsible for keeping a registry of all vehicles and qualified drivers.
Am I insured to drive someone else's car?: Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.
Can I use my car for business use?: Class SDP. This class of motor vehicle use is for the policyholder and Named Drivers only using the vehicle for social, domestic and pleasure

In the event of a fire, Fire damage to your vehicle is likely to be quite serious. In many cases, fire damage can completely write off your vehicle and permanently prevent you from able to use it. A fire could be caused by the cars electrical system, through vandalism, or occur after your vehicle is stolen. In many circumstances, thieves may use your vehicle for a specific purpose, then destroy the evidence by burning the vehicle.

However carefully you drive your vehicle, you can’t actually control what happens to your vehicle when you are not around. If a thief really wants to steal your vehicle, you can't do all that much about it. When insurers ask you if your vehicle has a security system, they may reduce your premiums if you have a security system such as a immobiliser or an alarm. However advanced the security technology within your car you have tom understand that the thieves become just as sophisticated. If your car gets stolen or damaged during a theft, third party fire and theft cover will ensure you receive the payout needed to replace your vehicle.

When you claim on an car insurance policy you are usually expected to pay an excess. The excess is the value that you have to pay as part of your claim. Each time you make a claim you will be expected to pay the excess, so in theory you are insuring yourself for the excess part of your claim. This could be anything from £50 up to amounts in excess of £1000. In some circumstance the insurance company will be prepared to let you off the excess should you have taken every possible precaution in attempting to stop the theft.
Insurers apply an excess in an attempt to both reduce your monthly premiums and to reduce the risk they face themselves. By increasing the personal cost of making a claim they force you to try especially hard to avoid claiming on the insurance (N.B. Please be aware after making a claim your insurance premiums are likely to rise on the policy renewal date).