Top 10 best car insurance companies in UK in 2012 are listed below for your quick reference and comparison. There are many good car insurance companies in UK - but the best companies are mentioned below.

LIST OF THE TOP 10 BEST CAR INSURANCE COMPANIES IN THE UK

Admiral Car Insurance

Auto Direct Car Insurance

Bell Direct Car Insurance

Churchill Car Insurance

Direct Line Car Insurance

Elephant Car Insurance

esure Car Insurance

Hastings Direct Car Insurance

Marks & Spencer Car Insurance

Prudential Car Insurance

BRIEF REVIEWS OF THE TOP 10 BEST CAR INSURANCE COMPANIES IN UK IN 2012

Admiral Car Insurance

Admiral offer standard benefits on their comprehensive car insurance policies like a courtesy car while yours is being repaired at an approved garage, windscreen cover, £100,000 worth of legal cover and 24hr roadside emergency accident helpline.

You also have £5,000 personal injury cover, a choice of excess and up to £1250 of stereo equipment cover.

Auto Direct Car Insurance

A trading name of UKAIS Limited, Auto Direct Insurance Services aims to offer highly competitive insurance quotes to its customers.

Bell Direct Car Insurance

Bell offers a comprehensive policy with all the standard benefits you'd expect like a Courtesy Car while yours is being repaired at an approved garage, £100,000 Legal Protection, Windscreen repair and Personal Injury Cover.

Churchill Car Insurance

You can count on Churchill for your car insurance needs. As one of the UK's first direct insurers, Churchill offers a service, people can rely on and benefits that will give you peace of mind.

A new policy gives you all these benefits; up to 65% no claims discount; 5 year guarantee on repairs made by an approved repairer and your car returned washed and vacuumed; and

unlimited audio cover for fixed equipment fitted as standard by the manufacturer; 24-hour accident recovery plus 10% discount on new policies taken out on additional cars in your household.

Direct Line Car Insurance

From humble beginnings in April 1995 with car insurance (also known as 'Direct Line motor insurance') as its sole product, to now more than five million customers and a wide range of services, Direct Line has come a long way.

However, it has never lost sight of its original focus and it remains one of the leading UK car insurance companies.

Elephant Car Insurance

All car insurance policies offered by this company, include up to 90 days European cover and easy payment options.

Plus, if you choose a Comprehensive policy, you'll get a courtesy car if you use one of their approved repairers; named drivers earn an - no claims bonus; windscreen repair and up to £1,250 of cover for stereo, sat nav and any other permanent audio/visual equipment.

esure Car Insurance

esure was founded in 2000 to offer cheaper car insurance (also known as 'esure motor insurance') cover online.

esure has quickly become one of the fastest growing UK car insurance companies with more than one million customers.

The company's aim is to offer a superior service while using technologically advanced systems so that premiums stay low.

Hastings Direct Car Insurance

Launched in 1997, Hastings Direct is a division of Hastings Insurance Services with three contact centres in the UK.

It is now the fifth largest personal lines insurance intermediary in the UK with its initial product, Hastings Direct car insurance (also known as 'Hastings Direct motor insurance') remaining as the company's focal point.

Marks & Spencer Car Insurance

Marks & Spencer is a household name for clothes and food shopping. However, the business has expanded with Marks & Spencer Money, which now includes car insurance (also known as 'Marks & Spencer motor insurance') as part of its service.

If you are a new customer and you buy Marks & Spencer car insurance online, you will receive a 10 per cent

Prudential Car Insurance

Successive generations have looked up to Prudential to safeguard their financial security - from industrial workers and their families in Victorian Britain to approximately 25 million customers worldwide today.

IMPORTANT: Compare the auto insurance quotes of at least two top car insurance companies in UK in 2012 and then buy the best car insurance plans.

What is car insurance ?

All car insurances are basically contracts that help pay for different types of financial losses, resulting from the ownership or the use of an automobile.

To obtain this contract (car insurance policy), you need to pay a specific amount of money also called a premium.

In return for the premium that is paid (usually annually), the car insurance company agrees to pay for expenses and legal liabilities depending on the terms of the car insurance policy.

Hence it is important to have the best car insurance policy in UK , which will protect you from suffering a large financial loss in case of an accident.

Also, the best car insurance company must undertake to reimburse the expenses incurred for:

- Repair / replacement of the parts of the car.

- to pay the market value of the car in case of a total loss due to accident or even theft.

The best car insurance company in UK, must also cover the legal liability to third party personal injury and property damage arising out of an accident involving the insured car.

DOES THE BEST CAR INSURANCE COMPANY OFFER ANY DISCOUNTS ?

- For installing approved anti theft device.

- For depreciation, for the parts needing replacement in the accident is defined.

- For claims free experience - on subsequent renewal of the car insurance policy.

DOES THE BEST CAR INSURANCE COMPANY - HAVE ANY OPTIONAL EXTENSIONS ?

- Personal accident to the occupants.

- Legal liability to the paid driver or any workman.

- Loss of accessories in the car.

- Increased legal liability towards property damage.

WHAT ARE THE COVERAGE EXCLUSIONS ?

Generally most car insurance policies do not cover:

- Driving without a valid driving licence for that particular class of car.

- Driving under the influence of alcohol or drugs.

- Car not being used as per limitations to use.

BENEFITS OF CAR INSURANCE POLICIES

The need for car insurance policy is obvious. There has been a phenomenal rise in the car accidents in the last few years as can be seen from statistics.

The car insurance policy represents a combined coverage of the car including accessories, loss or damage to his property or life and the third party coverage.

Car insurance policies originated in U.K, where the first car insurance policy was introduced into England in 1894 to cover third party liabilities.

And in 1899 the policy was extended to cover the accidental damage similar to what is known as comprehensive policy.

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