About motor insurance
It’s a legal requirement to insure your vehicle if it is driven or kept on a road or other public place. The minimum requirement is for third-party insurance, which covers you if someone is injured by or in your car, or if someone else's property is damaged by your vehicle.
You can also take out additional insurance to cover other eventualities, such as accidental damage to or theft of your car, and your medical expenses resulting from an accident.
When looking through a policy, check for excess charges. Under the terms of the policy, you may be required to pay the first portion of any claim. The insurer will pay the rest. Check that you can afford and would be willing to pay the excesses required. A cheap policy might have high excesses and it’s your decision whether you want this, or are prepared to pay a higher premium for lower or no excesses. Check also that the policy limit i.e. the maximum that the insurer will pay out in the event of a claim, is sufficient to cover your loss.
Check who the policy will cover to drive your car. This might be yourself only, or named drivers, or any insured person with your permission. Your policy is likely to provide only third-party cover to other drivers of your car, even if you have comprehensive insurance yourself.
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