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By law you are required to be insured as third party on any vehicle you are driving on the UK roads or public places in the UK.

If you have notified DVLA that you are no longer driving your car and have taken your vehicle off the roads which is known as SORN, then you are not legally required to take out a cover for your car, but just bear in mind that should the vehicle be damaged or stolen it will not be insured.

Usually your policy will last for 12 months but you can take out specialist insurance for a shorter period of time. This tends to be if you are going on holiday and sharing the driving or you will be borrowing a friend’s car for a week or so. You can take out cover from 24 hours to 21 days.

Third party only cover will be cheapest in most cases. However, because it only pays out if you have damaged someone else’s property or vehicle you will be left to pay for the damage to your own car.

Legally you need to be insured before you drive any car. You can either be added to their policy by contacting their existing insurance provider or you can take out a short-term specialist policy. Some fully comprehensive policies allow you to drive another car on a third party insurance basis, but think of the possible repair bill to the car you will be driving before jumping behind the wheel.

According to national statistics, drivers under 25 are more likely to have an accident which increases the risk for an insurer to pay out which therefore increases the premium. You’ll notice drastic price change once you turn 25 or get some no claims bonuses.

Yes, you can protect your no claim bonus while taking out a policy. If you have history of no claim bonus you are more likely to get better insurance quotes. Each insurer has a different policy regarding the cost and protection but typically, the insurance of the no claims is 10% of the policy cost and it allows you to make 2 “at fault�? claims in a 3-year period

• You could get a penalty of £300
• Get 6 points on your driving license
• The police can clamp the vehicle and destroy it
• You can also face prosecution with an unlimited fine and be banned from driving any vehicle in the future.

If you supply incorrect information to your insurance company, they can invalidate your insurance. You need to make sure you provide them with correct information about you, your address, vehicle details, any penalty and claim history. If you have any health conditions such as poor eyesight, have suffered a stroke or suffer from epilepsy, you must also inform the DVLA and your insurer.

NCB is also known as no claim bonus or NCD is also known as no claims discount. It means if you haven’t claimed on your insurance for number of years then you get a discounted quote from various insurance providers. You receive this discount because you are perceived as a lower risk to insurance because you have proof of being accident free.

When your existing policy comes to an end, your insurer will send you proof of no claim bonus with your renewal quote. If you insure your vehicle with another provider then you’ll be asked to send them the proof of no claim bonus document to them, you will need to do this within the first 14 days of the new policy starting.

It depends on individual insurance company; you can check with them before taking out a policy. Usually if your no claim bonus is from outside Europe then insurance company is more likely to reject your NCB.

All fully comprehensive car insurance policies bought in the UK will come with the third party cover to drive in the Europe. However, you should check with your insurance provider if you are covered for damage and theft while driving in the EU. If you are insured it is normally only for a limited number of days, you can not insure your car in the UK and move to Spain and keep the same insurance.

Under specialised insurance you can insure your car against theft which is known as “laid up cover�?

By law car insurance companies have to adhere to the “Equalities Act 2010�? when providing quotes and they are not allowed to increase your premium or excess based on medical condition, unless they are able to evidence that it will increase the risk of you making a claim under a policy. You can also look at specialist insurer or government motability scheme which can help you reduce your costs.

Yes, you can but you have to specify that you don’t own the car and state who does own it while taking out the vehicle cover policy.