Essential documents
You have third-party insurance only. What does this cover?
- Injury to other people and damage to their propertyCorrect
- Damage to your own vehicle after a crash
- The cost of repairing your car after a fire
- The theft of your own vehicle
Why?
Third-party insurance is the minimum level the law requires before you can drive on public roads. It pays for injury you cause to other people and damage to their property, but it does not pay for repairs to your own vehicle, or for fire or theft. Annex 3 of The Highway Code lists insurance as one of the documents you must have.
Highway Code rule Annex 3