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Understanding car insurance in the UK, different types of cover, what's included, legal requirements, and how to choose the right policy.
Car insurance is a legal requirement in the UK - you must have at least third-party insurance to drive a car on public roads. It protects you financially if you're involved in an accident, covering damage to vehicles, property, and injuries to people.
There are different levels of cover, from basic third-party (minimum legal requirement) to comprehensive (most protection). The type you need depends on your circumstances and how much protection you want.
Yes, it's the law:
Penalties for no insurance:
Even if not driving:
Third-party only:
Third-party, fire and theft:
Comprehensive:
Third-party cover (all policies):
Comprehensive cover (comprehensive policies):
What's usually excluded:
Factors affecting cost:
Typical costs:
Ways to reduce cost:
No claims bonus (NCB):
How it works:
If you claim:
Excess:
Compulsory excess:
Voluntary excess:
Consider your needs:
Third-party only if:
Comprehensive if:
Compare:
If you have an accident:
Claims process:
Home & Lifestyle Writer
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