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Car Insurance in United Kingdom

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Insurance Requirements in United Kingdom

Third Party Only (TPO)

This is the legal minimum level of cover required to drive on UK roads. It covers injury or damage you cause to other people, vehicles, and property.

Continuous Insurance Enforcement

Your vehicle must be insured at all times unless you have made a Statutory Off Road Notification (SORN) to the DVLA.

Telematics (Black Box)

While not mandatory, "Black Box" policies are highly recommended for young drivers to reduce premiums by proving safe driving habits.

Vehicle Excise Duty

Valid insurance is a prerequisite for taxing your vehicle. You cannot drive on public roads without valid road tax.

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