Welcome to thegwr.co.uk, the online resource to help you find everything that you are looking for about car insurance. Many car insurance companies will vary the premium or the cost of the policy depending on the status of the policy holder. This is often dependant on driving experience and age, but focuses mainly on the history of any previous accidents or claims. It is worth shopping around for a car insurance quote as companies will specialise in offering cover to the groups of people who are normally classified as high risk such as young drivers or those who have had previous accidents. Having car insurance is a legal requirement when you own a car and if you drive a car you are responsible for any damage that you cause to another vehicle while driving the car. If you are looking to renew the road tax on your car you have to produce a valid car insurance certificate to validate the application. Car insurance can be split into different levels of cover and the most common policies are fully comprehensive which covers the policy holder for everything, or third party fire and theft. This policy will only cover the policy holder for minor incidents. If you have an ongoing car insurance policy that you have not needed to make a claim on it is very important that you take out extra protection to protect your years of no claims. This will enable you to have a reduction on your car insurance policy using your no claims discount.