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Car Insurance and The UK Law

What is the minimum car insurance cover required by UK law?

The Road Traffic Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other people's property resulting from use of a vehicle on a road. It is an offence to drive your car or allow others to drive it without insurance. (Source from the Association of British Insurers).

This minimum car insurance required to cover this is generally known as "Act Only Car Insurance" or "Third Party Only Car Insurance " or "TPO".

What are the penalties for driving without car insurance in the UK?

According to the DVLA using a car without insurance will result in 6-8 points in addition to a fine.

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