Motor Car Insurance and the Law

In the UK, it is a legal requirement that any active motorist with a car on the road has to have motor car insurance. There is no alternative purely and simply because it is a criminal offence to drive on a public road without basic rudimentary motor car insurance, and it is actually your car that is insured and not you. Even if your car were insured, you would still be prosecuted if you happened to be driving a friend's car that was not. The law is very specific on this matter and so it is extremely important to make sure that you know your motor car insurance stuff!

There are numerous policies on the market that can do the job for you and ensure that you are not breaking the law. The Road Traffic Act actually states that you need to be insured against any liability for damage to public or private property and also any injuries that are inflicted on other individuals as a direct result of a car accident. The law is in effect there to protect you as a result. If you did not have motor car insurance then the likelihood is that another individual may sue you for damages if you did not have insurance to cover expenses.

However, this motor car insurance law actually works against those drivers that obey the law as a direct result of the irresponsibility of those that do not. One in every twenty drivers do not have motor car insurance when they are on the road, and the accidents that they are involved in causes a loss of revenue for insurance companies. As a result, our insurance premiums go up.

It is therefore essential that any individual find the best motor car insurance for him or her. Some policies actually insure against being hit by an uninsured driver, but price is always an issue! There is a specialist website available that can help you to find the best deal for you though, and this would save you time and energy, as well as looking after your best interests in the long run!

Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit us for Low Cost Insurance.