It is a simple fact that the situation where someone is in control of a vehicle on the roads in the UK must be covered by insurance
. This insurance means that if the driver is involved in an accident where he is at fault all damages to the third party and their vehicle is covered.
Driving without insurance is a serious offense carrying an escalating scale of penalties including points on the license, fines and possibly having the car impounded. A driver must be able to show valid insurance if asked to do so. And it is further incumbent on the driver to ensure that if he/she is operating a vehicle on UK roads he/she is insured to do so.
Some insurance policies allow one to operate another vehicle with the permission of the keeper of that vehicle. If this is the case a certificate showing that this is the case must be carried. No excuses will be accepted. Any time one is operating a vehicle without valid insurance, even if you thought you were OK you will be committing an offense. Similarly if you let someone else drive your vehicle without insurance to cover them you are committing an offense and are liable to the penalties.
There are a lot of uninsured drivers on the UK roads and the cost of their accidents and injury to victims is actually adding to the cost of your insurance premium as there is a mechanism for these people to receive compensation.
And insurance is expensive. The rates depend largely on what car is driven and the sex and age of the driver and where they reside, whether the vehicle is parked on road, off road or in a secure lock up at night. The actuaries have calculated the chances of everything so costs and Quotes on car insurance may vary wildly.
It is very easy to compare car insurance quotes. This website will allow you to fill in all the pertinent details and then will run a check and obtain quotes from at least 12 of the major companies offering car insurance. In fact there are over 90 companies operating in this area and it is possible to check them all.
It will then present you with a series of quotes from which you may choose. Be aware that you may not always be comparing apples with apples and some of the cheap insurance policies may include exclusions or excesses that are unacceptable. For example you may receive 3 quotes to insure your 5 year old Ford Mondeo . The first is for 2,500 pounds and carries a 250 pound excess on every claim. The second is for 2,000 Pounds but the excess is 2,500 and you have to get a "Tracker" vehicle Security system fitted and the third is for a 1800 but provided the car is parked in a lock up garage and an excess of 5,000 on any claim.
At first glance the third looks most attractive but on examination it may seem like better sense to select the first.