Auto insurance is insurance that can be purchased on all types of road vehicles including cars, motorbikes, vans and lorries. It protects drivers both financially and legally in the result of traffic accidents and is compulsory in most countries.

Auto Insurances’ primary use is to provide protection against financial losses incurred as a result of traffic accidents, and also to protect against any liability that could be taken against the driver. Some countries such as South Australia include Third Party Insurance in all license registration fees, ensuring that all drivers are covered by the minimum insurance required. South Africa has a policy which allocates a percentage of profits made on petrol to a ‘Road Accident Fund’ which compensates third parties in the event of an accident on a public road.

There are two main types of insurance policies you can take out on your vehicles.

1) Third Party Insurance, or Liability insurance, is usually the minimum legal requirement for auto insurance, and will cover the driver against liability, which they may incur to another person/vehicle. This type of insurance will only pay out for the damage you do to a third party – you cannot claim any damages to your own vehicle.
2) Comprehensive Insurance - these policies vary in content, but basically are designed to cover a wide range of situations and risks to your vehicle. These policies will pay out for damages to both third parties, and your own vehicle in the event of an accident.

If you are insuring a van, you will need to consider taking out a commercial rather than private policy, especially if you are using the van to run a business. This will cover your for a higher level of liability, which is a necessary requirement for commercial enterprises. If you are just hiring a van for a few days for a private job, then you can get temporary van insurance for a max of 28 days from most leading insurance companies and the hire company should be able to advise you of this further.

Also if you own a RV for recreational camping and leisure activities you will need to take out a specialised insurance policy. This will cover you whilst your vehicle is travelling on the road, and also when it is stationary either parked outside your home or on holiday. RV Insurance policies vary, but should include road side assistance in the event of breakdowns, full contents insurance for your belongings and equipment, vacation liability, and the usual fire, theft and flood cover.

It was not easy to get car insurance quotes previously. In older days, people has to browse various company websites and fill out separate forms for getting quotes - so was tedious. But now, you can compare auto insurance quotes from across top 40 UK insurance companies at QuoteZone insurance. You are just required to fill one simple form and get results real time. Recently they have added extra features of getting home insurance and van insurance quotes too.