Driving without Car Insurance in UK
To drive in the UK is obligatory to have automobile insurance. If you drive without insurance you will be subject to penalties specific to the laws of UK. For violation of the financial responsibility law, those penalties could include a fine or loss of driving privileges. If you are uninsured and in an accident that involves property damage or injuries to people, you will be required to pay out of-pocket for any damages assessed by a court.
In the UK there are three types of insurance for the car:
A third (Third Party) is the minimum legal requirement. You cover for injuries to other persons or vehicles caused by the insured vehicle.
A third party, fire and theft (Third Party, Fire & Theft) is an extension of third-party insurance covers you in case of fire or theft of your car.
In any risk (Comprehensive): covers all of the above, in addition to the damage they can cause your vehicle and medical expenses you might have in case of an automobile accident.
Most insurers give you the option of having a franchise, which is the money you pay up to you if you have an accident. For example, if you have an excess of £ 100 and you are breaking the windshield, which costs £ 150, the insurer will pay you £ 50 and you’ll have to get over the £ 100 remaining. If you have a franchise high, your policy will cost you less, but if you have a couple of small accidents, in the end turns out more expensive.
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