There are three different types of car insurance cover:
• Third party insurance — this is the minimum level of cover legally required to drive on the UK’s public roads. It covers injuries caused to others and any damage to their vehicles. This cover includes passengers in your vehicle and other people’s, but does not cover you or your car.
• Third party fire and and theft — these policies cover the above, but also include damage caused by a fire or car theft.
• Fully comprehensive insurance — this offers the highest level of cover available, including damage to yourself, your vehicle, other people, and their vehicles. This type still covers you even if you’re found to be at fault in an accident.
These policies usually last for 12 months and need to be renewed every year. Some insurance providers will automatically renew your policy once 12 months has passed. Check if your provider does this.
You can choose extras as well, such as breakdown cover, but this will cost extra.