Car Insurance in the UK: A Guide for Newcomers
If you’ve recently moved to the UK and plan to drive, understanding car insurance is essential. Here’s a quick guide to help you navigate the process:
1. Is Car Insurance Mandatory?
Yes, having car insurance is a legal requirement in the UK. At a minimum, you need third-party insurance, which covers damage to other people’s vehicles or property but not your own.
2. Types of Car Insurance
- Third-Party Only (TPO): Covers damage to others but not your vehicle.
- Third-Party, Fire, and Theft (TPFT): Includes TPO coverage plus protection against fire damage and theft of your vehicle.
- Comprehensive: Covers damage to your car, other vehicles, and property. It’s the most extensive option.