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Car insurance facts

  • Third party car insurance UK is the lowest level of cover that you can get and is the minimum required by law.

  • You are bound by the terms and conditions of your car insurance UK policy to keep your vehicle in a roadworthy condition. If you do not then you may not be liable to make a claim.

  • If you use your car as transport to and from work then you need to make sure that you get car insurance UK cover that will protect you for commuting.

  • For a small additional fee you can protect you no claims discount. This means that you will be allowed a small number of claims without your NCB being affected.

  • You must be truthful on your car insurance UK application otherwise you could risk invalidating your policy, meaning that any claims that you make will not be met.

  • If you are involved in any accident or incident, you must report it to your insurer regardless of whether or not you intend to make a claim.

  • If you are going to be driving abroad then you might want to think about arranging extended car insurance UK for the length of your stay. All UK policies will protect you for the minimum required level of cover in EU countries, but this might not be comprehensive enough for your needs.


Crown copyright material has been reproduced by permission of the Driving Standards Agency which does not accept any responsibility for the accuracy of the reproduction.