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What about car insurance?

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Car insurance protects motorists against liability in the event of accidents they may cause. It can also provide cover for the motorist's own vehicle in case of fire, theft or accidental damage.
Before using any vehicle, every motorist must have at least third party motor insurance. This is to make sure that, in the event of an accident, there is financial compensation to cover any injuries caused to other people or damage to other people's property, above any excess you are required to pay.

Car insurance in the UK only covers the ‘named drivers’ of a vehicle.

Third party only cover is the minimum legal requirement. This level of cover ensures that compensation is available in respect of injury to other people (including your passengers) or damage to other peoples' property resulting from an accident caused by you. It does not cover any costs incurred by you as the result of an accident.

Third party fire and theft cover - This provides the same cover as third party only but it also covers you should your vehicle be damaged by fire or if it is stolen.

Comprehensive insurance - This provides the same cover as third party fire and theft, however, it also covers your vehicle should it be damaged in an accident.

Excess - the amount of money that you will pay towards any costs of a claim in case you have an accident, for example, the first £50 of the cost of a claim.


  • When you buy car insurance in the UK make sure you give the correct details of your situation and car to the insurer, as any serious omissions could make your policy invalid, this could mean you are not insured - this is a serious offence.
  • When purchasing car insurance, check if your policy allows other drivers to drive your vehicle, the fact that you bought car insurance for you as a driver and your car, does not automatically mean that anyone else can drive your car and be insured.
  • It is a crime to lend a car to someone who is not insured to drive it. Before lending your car, you should always check first if they are insured to drive it as driving without being insured is a serious offence.
  • The fact that you are insured to drive your own car does not mean that you can drive any other cars, so if you borrow a car from someone else, check your policy to see if it covers you whilst driving other cars or check the owners' insurance policy and see if his car is insured to be driven by other people, do this before you start driving!

Information provided by DVLA