It is an offence to drive a car, or to let others use a car when you are responsible for it, without insurance cover.

Insurance is compulsory by law and can be negotiated either directly with the insurance company or through a broker.

Comprehensive insurance covers injury to other persons or damage to their property, as well as damage to your own car. It could cover other things like legal fees or theft of your belongings in the car and personal injury claims, but these are dependent on the insurance company.

Third Party insurance is the minimum cover under the law and will cover damage to other drivers and/or their cars, if you are involved in an accident for which your driving is responsible. It will also cover passengers in your car – again providing that your driving was responsible for the accident. It does not cover damage to your own car or personal injury to yourself, however.