UK Car Insurance

UK Car Insurance provides us information about the rules and regulations of Car Insurance in the United Kingdom. The United Kingdom Government brought in a regulation in the year 1930. It stated that it is mandatory for every individual using a car to have minimum Third Party Personal Injury Insurance.
Nowadays, the Road Traffic Act delineates the UK Car Insurance Regulations. The Road Traffic Act was last amended in the year 1991. The Road Traffic Act states that every person driving a car should have Insurance against their financial obligation for causing injuries to other persons (this includes riders) and for causing damages to the property of some other person as a result of the car’s usage on state roads or public places.

This is known as Third Party Insurance. Driving a car or permitting someone else to drive the car without a Third Party Insurance on a state highway is a legal violation.

This regulation is not applicable to cars driven on private places. The Car Insurance Company issues the Insurance Certificate or the Cover Note. This establishes legal proof that the particular car named in the records is truly insured.
According to the Legislation, a police officer or any empowered individual has the right to ask a driver to show the Insurance Certificate for inspection purposes. If the driver is unable to show that at once, then the police officer will generally issue a HORT/1 to the driver and give him seven days time (starting from midnight of the issue date) and the driver will be asked to collect a legitimate Insurance Certificate (also along with other necessary driving documents). The driver has to produce these documents to a police station that is convenient for the driver. Driving without an Insurance Certificate is a legal offense.

In Northern Ireland, Insurance is quite costly compared to other areas in the United Kingdom.

It is mandatory for the drivers in UK to exhibit a Vehicle Excise Duty plate on their vehicle while driving or parking on state roads. This is a measure to assure that the majority of people have satisfactory Insurance for their cars because in order to buy the plate, an Insurance Certificate has to be shown. Nevertheless, some people buy Insurance to receive the certificate and then invalidate the Insurance and receive a complete repayment within the prescribed cooling off period of 14 days.

The compensation of street accident victims (caused by uninsured and untraceable drivers) is done by The Motor Insurers Bureau. In addition, it regulates the Motor Insurance Database which includes information about every insured car of the country.

The Leading Car Insurance Companies in the UK include the following:
Direct Line
Norwich Union