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In the UK, we have three main groups of car insurance, each one offering different levels of coverage
A fully comp policy offers the highest level of coverage and is the most expensive option. A typical fully comprehensive policy will cover damages caused to third party property and vehicles, fire damage, personal injuries you may cause to others or any of your passengers.
This level of coverage provides mid-range protection and includes everything that a third party policy covers but with the additional protection against theft and fire. And, as in the case of third party cover, neither you nor your vehicle is covered except in the case of fire or theft.
This particular level of coverage is the minimum level of car insurance required by law. It will not cover you or your vehicle, including if your car was damaged in a fire or stolen.
Motor insurance is a legal requirement for all road vehicles in the UK, even if your car isn’t being used and is simply parked on the roadside.
Its principal purpose is to provide financial protection against damage to other vehicles or property in the event of a traffic collision, including protection for any injury caused to others, including animals.
Two excesses form part of a car insurance policy. The compulsory excess is a fixed amount set by the insurance company that you cannot change. However, the voluntary excess is an amount you can specify that’s comfortable for you. While setting this voluntary excess higher will keep your premium lower, you need to remember that both these excess amounts will be deducted in case of a claim.
The minimum level of car insurance you are required to have by law is third-party car insurance.
If your vehicle is kept off-road and declared as SORN (statutory off-road notification), there is no need to have car insurance in place. It means your vehicle is kept on a driveway or other private land and is not parked or driven on any UK public road.
Car insurance is a legal requirement if you intend to drive on UK roads, and with the Police having number plate recognition cameras, it makes it super easy for them to know whether a car is insured or not.
If you are caught driving without car insurance, you should expect hefty penalties, with the minimum being a £300 fixed penalty with 6 points added to your licence. For more serious cases handled in court, penalties can include unlimited fines, disqualification from driving, seizure of the vehicle, possible destruction of the vehicle, and most likely higher car insurance premiums for the future.