Driving without car insurance in the UK is a criminal offence and carries a potentially unlimited fine and penalty points on your driving licence. In some cases, it can even result in a driving ban.
It's a legal requirement for all cars being driven to have a car insurance policy. The two most common types of policy available are third party fire and theft, and comprehensive. Your car insurance certificate provides proof that you are legally covered to drive your car, so it should always be kept in a safe place.
Comparing car insurance cover
The level of cover may differ between car insurance companies, which can make it difficult to compare car insurance quotes. Some companies include certain benefits as standard, while others offer to add them on for an extra fee.
The descriptions below will help you to compare car insurance policies and decide on the cover level you need...
Third party fire and theft cover
Third party fire and theft typically covers you for liabilities to other vehicles and property if you cause an accident, and protects your vehicle against any losses through fire and theft.
Comprehensive typically covers you for liabilities to other vehicles and property if you cause an accident, and protects your vehicle against any losses through fire, theft and accidental damage.
Driving someone else's car
If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another person’s car (with their permission) on a third party only basis. However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance certificate before you drive someone else’s car.