Having car insurance is a legal requirement to drive on the UK public roads. The minimum cover you can buy is Third Party, but some insurers won't sell you this cover on its own as it does not cover the insurer in cases where the car is stolen or where the fault lies with the insurer. It may also be the case with cheap local broker motor insurance.
If you are involved in an accident do not discuss who was to blame as this could lead to complications for you and your insurance company. However you should still take down the facts of what occured.
Voluntary excess is an agreement you make with the policy provider to pay a higher percentage of excess at the time of an insurance claim. This also means it would be unlikely you would make a claim for a small amount of cash and risk losing your no claims bonus.
Did you know that if you drive abroad your fully comprehensive insurance could be downgraded to basic third party. So if you intend to drive abroad you may want to take out extra cover.
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