Do I Need Car Insurance?

In short, yes you have Car Insurance. If you are ever stopped by the police and they run a check showing that you are not covered, then they have to bring your vehicle confiscated from you. You may think that you do not need car insurance because you do not damage your car. However, car insurance works the other way. It is for protecting the public in case you harm them or their property while driving. This is because it would be unfair for them to pay for the cost of any repairs of damage caused by you. When you buy motor cover, known as buying a policy, the insurer will pay for any claims against you up to a maximum of £ 20 million pounds per occurrence. In the United Kingdom, drivers are legally required to have car insurance since 1930. Detailed rules are published in the Road Traffic Act 1988, which set put more stringent requirements for car insurance and are still in place today. Insurance only costs a maximum of a few hundred pounds and is excellent value considering the insurer pays such a large volume for each claim rather than pay for itself. Insurance is expensive when you start your own motor insurance. Insure your car comes in two forms of coverage. One is known as Third Party fire and theft, which covers you if your car is stolen or destroyed. The other type of cover. This is the most common form of car insurance because it gives you coverage for your car. So, if one accident is your fault and you damage your car then the insurance company to pay for the cost of repairs to your motor too.