It is necessary to have motor insurance before you can drive your vehicle in a public place. Such a policy protects the user, their vehicle and other motorists against liability in the event of any accident. Additionally, it provides financial compensation to cover any injuries caused to people or their property. You can choose from a variety of motor insurance covers that suits your requirement. Now, let us examine them one by one.


The Thirty Party Only Cover is the 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. Most insurance companies offer additional levels of insurance cover that go beyond the legal requirement. The precise nature of cover will vary from company to company.

Third Party Fire and Theft Cover provides the same cover as third party only and also insures you should your vehicle be damaged by fire or stolen. A Comprehensive Cover, on the other hand, provides the same cover as third party fire and theft. However, it also covers you should your vehicle be damaged in an accident.

Many additions to this level of cover are available from insurance companies including providing a courtesy car while your car is being repaired, legal expenses insurance to recover your uninsured losses such as your excess, roadside recovery schemes, and vehicle repairs in case of breakdown.

If you have an accident that causes damage or injury to any other person, vehicle, animal or property, you must give both your own and the vehicle owner’s name and address, along with the registration number of the vehicle, to anyone having reasonable grounds for requiring them. If you do not give your details then you should report the accident to the police as soon as possible within 24 hours. You must also report the accident to your insurer, even if you are not intending to make a claim.
Any accident with an uninsured driver should be reported to the police. You should also report any accident to your insurer, who will advise you further as regards any claim. Additionally, the Motor Insurers’ Bureau (MIB) ensures that compensation is available to the innocent victims of uninsured drivers or hit and run untraced drivers.


All UK policies provide the minimum cover required by law in other European Union (EU) countries or the minimum cover required by UK law if that is greater. This cover doesn’t automatically include theft or damage to your car. Most people want the same protection they have in the UK when traveling abroad, for example comprehensive or third party, fire and theft. This could, in addition to the legal minimum of third party liability cover, include accidental damage to, or theft of or from, your own vehicle, depending on the policy cover.