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Yes, insurance is legally required if you have a road worthy vehicle. However, car insurance is more than just a legal obligation, it also helps to provide financial protection if you were to have an accident.

Car insurance can help to cover the injuries of others involved in an accident, including the passengers in your car, other drivers and pedestrians.

For those driving on UK roads, you will have to have a minimum third party insurance put in place. This type of cover has been compulsory for 90 years, first introduced through the 1930 Road Traffic Act.

Whilst third party insurance is required by law, it’s not the only level of cover you can get, or may even want, for your car. There are a range of different levels of cover available to choose from that can provide you with all the protections of third party cover and more.

Driving without car insurance can fetch some pretty hefty punishments, including six points on your license and a £300 fixed penalty. If the matter is taken to court, you could also be facing disqualification from driving entirely, and an unlimited fine.

Driving uninsured also means you aren’t financially protected if you get into an accident. This could leave you with significant expenses if involved in an accident, as well as the penalties applied due to driving without insurance.

Yes, you can get insured to drive someone else’s car. Many people get insured on cars owned by their parents, their spouse or their employer. There are a range of different ways you can go about insuring yourself on someone else’s car, including the following:

When getting insured on someone else’s car, you will have to inform the insurer that you do not own the car in question. In addition to this, you will also typically have to provide details about the owner of the car, and your relationship to them.

Some insurers will only allow you to be insured on someone else’s car in certain situations. These can include the following circumstances:

It’s common for insurers to assume that you hold one of the relationships listed above with the car owner. If you aren’t asked to provide such details about the owner of the vehicle, it’s important to read the terms of the policy to see if you meet the criteria before applying.

Many will think that fully comprehensive is the most expensive and third party is the cheapest – but this is not always the case.

Insurers have realised that riskier drivers sometimes opt for third party because it is cheaper, but because the claims are usually higher, nowadays you will pay less to be insured with a fully comprehensive policy.

You can typically complete your car insurance application and receive cover within 24 hours of applying.

Maybe. You might still need car insurance even if you’re not driving your vehicle. There’s legislation known as Continuous Insurance Enforcement, which means owners must keep their vehicle insured even when they’re not driving it. This will be the case unless the vehicle owner has made a SORN, or Statutory Off Road Notification.

If you haven’t made a SORN, and also do not have your vehicle properly insured, you run the risk of penalties. If the Motor Insurance Bureau (MIB) finds out that an owner’s car is uninsured and does not have a SORN, the owner will be sent an Insurance Advisory Letter. This letter will provide details on what to do next in order to avoid the DVLA taking action.

We set up to help the armed forces and military to get the best car insurance quotes possible, but after much demand, we have been able to offer our products for all people in the UK, military and non-military. Through Forces Compare, you can now easily find insurance for military personnel, as well as veterans and civilians.

We have access to the whole market which is ideal when you want to compare car insurance and get the best rates.

We are a completely free and impartial service and have partnerships with the largest insurers in the UK to get you the cover that you need.