uk Auto Insurance

In 1930 the UK govt. made into law a requirement that every person using a vehicle on the road have at least third party personal injury insurance. Today this UK law is defined by The Road Traffic Act which was last modified in 1991.

This law requires all motorists carry insurance against their liability for injury to others (includes passengers) plus any damages to other peoples property resulting from use of a vehicle on a public road or other public areas. This is known as Third Party Insurance. It is considered an offense to drive your auto, or allow other persons to drive it, without at least 3rd Party insurance.

The insurance note or certificate issued by the insurance co. constitutes legal evidence that the vehicle specified on the document is indeed insured. This Law states that an authorized person, for example the police, can require an automobile driver to produce an insurance certificate for inspection. If the driver is unable to show the document immediately on request, then the driver has 10 days to take a valid ins. certificate to a specified PoliceStation. Failure to produce an insurance certificate is an offense. (source: wikipedia)