• You are legally required to be covered by motor insurance under the Road Traffic Act.
• Motor insurance at its most basic level will protect you for liability for injuries to other people and damage to other people's property.
• If you use your vehicle to commute to work then you will need specialised cover to protect you for this. Furthermore, if you use your vehicle in order to visit clients in connection with your business then you will need a commercial car insurance policy.
• Motorists convicted for drink driving offences will experience premium increases of at least 100%.
• If you do not look after your vehicle appropriately, keeping it in a roadworthy condition, then your insurer is within their rights to withhold a payment for a claim.
• If you carry passengers who give you money to help you with your motoring costs then your car insurance will not be affected. If, however, you make a profit from carrying passengers or if transporting people is your business then you will need an insurance policy to cover you for commercial purposes.
• For an added fee, most car insurance companies will allow you to protect your valuable no claims bonus. This way you can have a limited number of claims and still leave your NCB intact.
• If you lie on your car insurance application form, withhold information or fail to keep your insurance company up to date with any changes to your situation or details then you risk invalidating your policy and any claims you might make will not be met.
• All UK car insurance policies will cover drivers abroad in EU countries for the minimum level required. You might, however, require an extended level of cover, so be sure to contact your insurers well before your trip to discuss your needs.
• You must contact your insurer if you are ever involved in accident, even if do not intend to make a claim. Your policy agreement obliges you to do so.

Please note that information contained on The Insurance Page web site does not constitute regulated financial advice, which recommends a course of action based upon the specifics of your personal circumstances. The web site is intended to provide general personal financial information. We urge you to consult an Independent Financial Adviser (IFA) before making any important decisions about your finances.