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Avon led the way in Britain’s cycling community for many years, most notably with the Avon Cycleway, but that did not stop it from developing a thriving set of roads for drivers. The natural beauty of the River Avon and the Forest of Avon give those drivers plenty of beauty to enjoy on the road, while the city of Bristol also ensures that there is a healthy supply of traffic in the area. That combination of crowds and beauty can encourage accidents, so many people in the area would feel the need for an auto insurance policy even if there was no legal mandate to own one in order to be on British roads.
What Options are Available?
Individuals who want to satisfy the government’s requirement for insurance at the lowest possible price can meet their needs with a third party insurance policy. They don’t give any financial protection to the policy holder, but they will pay out to cover any damage to the property of a third party in the case of an accident. That makes these policies very cheap, so they are a great choice for people who expect to avoid accidents, but the lack of personal protection means that they aren’t suitable for every driver.
Fire and theft policies offer a little more protection, but the policy holder is still responsible for their own expenses in the event of an accident. In addition to offering the same coverage as a third party policy, these policies will pay for any damage that occurs because of a fire or pay for the car if it is stolen. The price of a fire and theft policy will vary depending on the make and model of the car, but they tend to be more expensive than third party policies, while still being cheaper than more comprehensive plans.
The comprehensive policies represent the pinnacle of financial protection. They all have a small number of exceptions, but they will pay for damage that the vehicle sustains under most conditions. Most of them will also come with a green card that serves as proof of insurance in the rest of Europe, so they are a very good choice for people who expect to drive while abroad. The policy holder does have to pay extra for this level of protection, but most insurance brokers or individuals who are willing to do their research can still get an affordable policy of this type.
Avon’s rural and urban driving conditions are best considered separately. The large cities, such as Bristol, are just as prone to congestion and minor collisions as every other city. The rural regions are much more peaceful, but drivers do need to keep an eye out for wild animals wandering into the road. Drivers who do so can enjoy a leisurely ride past the region’s rivers and forests. The transition from the rural areas to city driving conditions can come quite suddenly, so drivers who are making their way into the city should try to remain very attentive at all times.