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 ford aa car insurance.
If you are involved in an accident with an uninsured driver you should take their details, car registration and model and contact the police immediately.
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Making a claim will not automatically lose all your no claims bonus. Most insurers will relegate you only two years meaning if you had 5 years no claims then you would still have 3 years.
