what’s the legal minimum insurance cover. If you have an RTA injury claim and need to know what the legal minimum insurance cover is then this article will help. It looks at the various types of insurance claims, the time limits that apply and the minimum level of compensation you could expect. We compare injury claims with the legal minimum insurance cover against those with higher levels of cover, such as group personal accident policies, professional indemnity insurance, household contents and motor trade insurance.
What’s the legal minimum insurance cover in your state?
What is the difference between third party only, third party fire and theft and comprehensive insurance?
Can you drive a car on a provisional licence with someone next to you?
How do you insure it?
The legal minimum insurance cover varies by state.
The legal minimum insurance cover you need to drive on UK roads is third party only. This will cover you against others’ claims for injury, death or damage to property.
You must have at least third party cover to drive a vehicle.
Third party car insurance is the most basic type of cover and the minimum amount of cover you need to legally drive in the UK. It only covers the cost of compensating other people for injury or damage caused by you. It doesn’t pay out for any damage to your own vehicle.
When taking out third party car insurance, it’s important to think about whether third party fire and theft would be a better option for you.
The mandatory motor minimum insurance cover is a form of insurance cover that you’re legally required to get if you own and drive a motor vehicle in the UK. Driving uninsured is illegal, and could result in you being fined £300 or more, as well as your car being seized and crushed. For more information about the exact minimum insurance cover required for the vehicle you drive, please see the below link: