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Insurance for Private Motor Cars.

Car insurance is designed to provide cover in the event of an accident. It is a legal requirement through the Road Traffic Act if you own or drive a car on the public roads.

If you drive uninsured and you are caught, the penalty is a minimum fine of £300 and six penalty points. If it goes to court, you may be given an unlimited fine and be banned from driving.

There are three broad types of car insurance:

Third party only, which provides compensation to third parties you injure or damage the property of.
Third party, fire and theft, which is as above plus cover in the event your vehicle catches fire or is stolen.
Comprehensive, which is as above plus additional covers such as to pay for damage you inflict on your own vehicle.

In the event you are involved in a motor vehicle accident, depending on the type of policy you purchase, car insurance is intended to cover you for:

Bodily injury to yourself
Bodily injury to a third party (unlimited indemnity)
Damage to your vehicle
Damage to someone else's vehicle
Property damage (limited indemnity)
Fire damage
Theft and/or theft damage