uk car insurance

Auto insurance united kingdom

Introduction to UK Auto Insurance Policies

During 1930 the UK government introduced a law that made compulsory for every person who used a vehicle on the road to have at least third party personal injury insurance.Well if you live at Northern Ireland area of UK then you will be giving high premiums for your insurance as compared to other parts of the united kingdom.coverage is more expensive there than in other parts of the UK.

According to MIB* UK has one of the worst records in Western Europe for uninsured driving with an estimated one in every twenty cars on the road being driven without insurance.
U.K traffic and road laws are defined by the The Road Traffic Act 1988, which was last modified in 1991. This act requires that the person driving the vehicle should either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.

What the law says "It is an offence to drive your car, or allow others to drive it, without at least third party coverage whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991), on private land no such legislation applies".

(MIB) motor insurance Bureau also established in 1946 it is a non-government authority which compensates the victims of road accidents caused by uninsured and untraced motorists. 

Motor Insurers' Information Center : It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.

The punishment

If an authorized person, such as the police, ask you(as driver) to produce an coverage certificate for inspection, and if you failed to show the related documents then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid coverage certificate (and usually other driving documents as well) to a police station of the driver's choice. Failing to provide an insurance certificate on demand from legal authority is an offence.