In the 1900s (1930) The UK Goverment decided To Make A Law That Stated everyone who Wants to Drive a Car Or Vehicle on The road Must Have At Least Third Party Only Insurance. Today The Road Traffic Act 1988 Defines The UK Law, And Was Last changed in 1991.

Motorists in the UK must display vehicle licence (a tax disc) on the vehicle when then intend to use it or keep it on the public road. This ensures that most people have acceptable insurance on their cars (any automobiles). An insurance certificate must be produced when a tax disc has been bought.

The Road Traffic Act Insists that motorists can either , be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for Inflicting damage to other Peoples property as a result of useage of any vehicle on public roads or in Any Public Places

The Smallest Amount of insurance cover available and which Does satisfy the requirement of the Road Traffic Act is called third party only insurance. The Basic level of cover provided by Third party only insurance does exceed the requirements of the act.

Road Traffic Act Only Insurance is not the same as Third Party Only Insurance and is not often Bought. It provides the Absolute Basic cover to Barely satisfy the requirements of the Act. For example Road Traffic Act Only Insurance has a limit of £1,000,000 for damage to third party property – third party only insurance typically has a greater limit for third party property damage.

It is a criminal offence And illigal to drive a car, or allow others to drive it, without at least third party insurance whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991); however, no such legislation applies on private land. if you do drive a car with no Third party only insurance you will recive a fine of up to £250. If caught a second or multipul times the car will be impounded, you will have your licence suspended for 6 months to a year, and will recive Bigger Fines That You Will Have To Pay Off.

Vehicles which are exempt from the act, from the requirement to be covered, include the following, councils and local authorities, national park authorities, education authorities, police authorities, fire authorities, health service bodies and security services.

The certificate of insurance or the cover note given by the insurance company constitutes legal evidence that the vehicle  on the document is insured. The law says that aspecific person(s),Police officers , may ask the driver to produce their insurance certificate for inspection. If the vehicle driver cannot show the document immedeatly on request, then the driver will be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver’s choice.

Failure to produce an insurance certificate is an offence. The HORT/1 is commonly known – even by the issuing authorities when dealing with the public – as a “Producer”.

Insurance Can Cost More Money in Northern Ireland than other parts of the UK.

The Motor Insurers’ Bureau satisfies victims of car (automobile) accidents Created by uninsured Vehicle users. They Also Operate the Motor Insurance Database Containing Details of all the road legal (insured) cars (automobiles) in the UK.