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UK car insurance is compulsory, meaning that it is an offence to drive a motor vehicle on the roads without having car insurance. But there are a number of options available as to what car insurance you actually buy. The following should give you an idea as to what to do.

The first type of car insurance cover is third party insurance. This is the basic car insurance cover you can buy, and covers the impact of damage and injuries caused by you against someone else and/or their car. You and your vehicle are not covered by this type of policy.

Third party fire and theft takes the level of cover one step higher, and is designed to protect you as well as anyone involved in some unfortunate incident with you. This level of cover insures against replacement or repair of your car if it stolen or destroyed or damaged by fire.

Fully comprehensive insurance protects your car for all manner of uses, often including travel to work and for pleasure. There are even some fully comprehensive policies that cover you when you wish to drive someone else's car. This last type of cover often only covers you for any third party damage, so be wary of this.