Third Party Insurance

Car Insurance Laws

The first UK car insurance law dates back to 1930 which stipulated that any person who drives a car needed to possess at least third party personal injury insurance. Subsequently, the car insurance law came to be known as the Road Traffic Act (RTA), which asserts that :

Car owners are completely responsible for their car (even when someone else drives their car and is involved in an accident or injury).
The policy holder cannot allow any other person to drive the car unless they do not have a car insurance policy.
It is compulsory for vehicle owners to have at least third party insurance against liabilities.

Third Party Insurance, according to RTA, is a policy that car owners need to be insured for liabilities such as possible injuries to others. They also require the driver to be insured for possible damage to another person’s residence due to the use of a car on a public road or in other public places like parks, residential areas and private properties.

The terms and conditions documented in your car insurance policy holds a legal value in the court of law. According to the motoring laws of UK, the authorities such as the traffic police can request a driver to show car insurance coverage when needed. It should be noted that not producing the insurance policy is a legal offence.
It provides legal proof that your car has been insured and that you are wholly responsible for it.