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Car Insurance

Essential Motor Insurance Coverage Explained

As seasoned insurance brokers, we are well-versed in guiding our clients through the intricacies of motor insurance requirements in the UK. Our comprehensive understanding of the different types of insurance coverage available empowers drivers to make informed decisions that align with legal obligations and personal protection needs.

Arranged by Primo

Levels Of Car Insurance Available

1. Third Party Car Insurance

What it covers: Third-party car insurance is the legal minimum requirement for vehicles taxed for road use in the UK. It provides coverage for:
  • Injury to other persons involved in an accident.
  • Damage to other vehicles.
  • Damage to property (including animals) belonging to third parties.
What it doesn't cover: Third-party insurance does not cover the financial loss or costs of repairing or replacing your car after an accident.

2. Third-Party Fire and Theft

What it covers: This type of insurance sits between third-party and comprehensive cover, offering protection for:
  • Injuries to third parties and damage to their vehicles or property.
  • Damage to your car caused by fire or theft incidents.
What it doesn't cover: Accidental damage to your vehicle unrelated to fire or theft incidents.

3. Comprehensive Cover

What it covers: Comprehensive cover offers the utmost level of protection for drivers and their vehicles, including:
  • Injuries to other individuals and damage to their vehicles or property.
  • Accidental damage to your vehicle, including losses due to fire or theft.
  • Coverage for damage to your vehicle's windscreen, side windows, and rear window. Repairing these typically doesn't affect your claims bonus.

4. Laid-Up Cover (Accidental Damage, Fire, and Theft)

What it covers: Laid-up cover is designed for vehicles not used on UK roads but kept off-road with a legal Statutory Off Road Notification (SORN) issued to the DVLA. It protects for:
  • Accidental damage to the vehicle.
  • Damage caused by fire or theft.

Key Considerations for Drivers

As Primo's insurance brokers, we provide information, help drivers assess their needs accurately, and choose the right level of insurance coverage. We stress the importance of compliance with legal requirements while also considering factors such as vehicle value, usage patterns, and individual risk tolerance.
By clearly explaining insurance options, coverage details, and potential exclusions, we empower our clients to make confident decisions that protect their interests and financial well-being on the road. Rest assured, our coverage is comprehensive, leaving no room for uncertainty.
Get in Touch
For personalised and tailored advice on motor insurance and assistance in selecting the right vehicle cover, please get in touch with our team of professional, experienced brokers. We are here to navigate insurance complexities and secure comprehensive protection tailored to your needs.
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Your Broker
Always speak to a real person. You will have an assigned broker.
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We ensure obtaining insurance is simple and straightforward
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Should you need to make a claim please call the number below
Cover Options
Click a listed cover option for more information such as why you may or may not need this extra cover.
Your Broker
A couple sat at a desk chatting to a friendly female insurance broker
Always speak to a real person. You will have an assigned broker.
chalk board with the words, we make it easy, written in white chalk
We ensure obtaining insurance is simple and straightforward
Woman calling for assistance after an accident
Should you need to make a claim please call the number below

Frequently Asked Questions About Car Insurance | Primo

  • What is the minimum legal requirement for car insurance in the UK?

    Third-party-only (TPO) insurance is the minimum legal requirement in the UK. This covers liability for injuries to other people, including passengers, pedestrians, and other drivers, and damage to their property. However, it does not cover your vehicle or personal injuries.
  • What does Comprehensive Car Insurance cover?

    Comprehensive Car Insurance provides the broadest coverage. It covers everything TPO insurance covers, plus damage to your vehicle due to accidents, vandalism, fire, and theft. It also includes personal injury protection for you and your passengers.
  • Is it compulsory to have insurance to drive in the UK?

    Yes, having at least Third Party Only (TPO) insurance to drive on UK roads is a legal requirement. Driving without insurance or a valid SORN (Statutory Off Road Notification) can result in severe penalties.
  • What is the No Claims Bonus (NCB), and how does it affect insurance premiums?

    NCB is a discount offered by insurers for each claim-free year. It encourages safe driving and can significantly reduce your insurance premiums over time. NCB can typically be transferred between insurers when you switch policies.
  • Can I drive someone else's car with my insurance?

    It depends on your insurance policy. Some comprehensive policies include 'driving other cars' (DOC) coverage, which is often limited to third parties and may not cover all situations or vehicles.
  • What is Voluntary Excess in car insurance?

    Voluntary Excess is the amount you agree to pay towards any claim before your insurance coverage kicks in. Choosing a higher voluntary excess can lower your premiums, but you should ensure you can afford the Excess in case of a claim.
  • Are there additional covers I can add to my car insurance policy?

    Yes, insurers offer optional extras such as breakdown cover, legal expenses cover, personal injury cover, courtesy car provision, and cover for driving abroad. Adding these extras can enhance your protection but may increase premiums.
  • What is Black Box Insurance?

    Black Box Insurance, or telematics insurance, involves fitting a black box device in your car to monitor your driving habits, such as speed, braking, and mileage. Safe driving can lead to lower premiums, especially for younger drivers.
  • Do insurance premiums vary based on where I park my car?

    Yes, where you park your car overnight affects insurance premiums. Parking in a secure garage or driveway is considered safer and may result in lower premiums than parking on the street.
  • Can I transfer my NCB from another country to the UK?

    Some UK insurers may accept proof of NCB from other countries, especially within the EU. However, policies and acceptance criteria vary between insurers, so it is essential to check with your chosen insurer.
  • Does my car insurance cover me for business use?

    Standard policies usually cover social, domestic, and commuting use. You may need additional business use cover if you use your vehicle for business purposes, such as commuting to multiple sites or carrying goods.
  • What happens if I need to remember to renew my car insurance?

    Driving without valid insurance is illegal in the UK and can result in fines, penalty points on your licence, vehicle seizure, and prosecution. It's crucial to renew your insurance on time or declare your vehicle off-road with a SORN.
  • Can I cancel my car insurance policy mid-term?

    Yes, you can cancel your policy mid-term, but there may be cancellation fees. Depending on how long you've had the policy, you may receive a partial refund. It's essential to check your policy terms and conditions.
  • What should I do after an accident to ensure my insurance claim goes smoothly?

    After an accident, ensure everyone is safe, exchange details with other parties, take photos of the scene and damages, gather witness information, and notify your insurer as soon as possible. Provide accurate and honest information to facilitate a smooth claims process.
  • How often should I review my car insurance policy?

    It's advisable to review your car insurance policy annually or whenever there are significant changes, such as a change in vehicle, address, or driving habits, or if you've made modifications to your car. Regular reviews ensure your Cover remains suitable and competitive and meets your evolving needs.

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Discover our Multi-vehicle insurance options for covering multiple different vehicles under a single policy.

Consider Tying in Other Personal Insurance Products.

Additional Cover Options Explained

If you don't understand how protected no claims bonus works or unsure how you are covered when driving abroad, this may help.
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Protected no claims bonus

Pay an additonal amount on top of your insurance premium to safeguard your no claims bonus. Having a protected no claims bonus ensures if you did have to make a claim your no claims bonus wouldn't be adversely affected.

Courtesy car

In the event of being unable to use your vehicle you may be given access to a coutesy car. Depending on the insurer there can be exclusions to being offered a coutesy car so always check with your broker.
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Foreign Use

Policyholders driving UK-registered vehicles require a Green Card to drive in the EU, EEA and other countries from 1 January 2021. The cover will typically be the same while you are inside the European Union. Cover will often have a time limit of 30 days and if you travel outside of the European Union you will have to notify your insurer.
You will need to contact your insurer. Cover for DOC is not always included by default. Some insurers include it, but some don't. Never assume. Call your insurer and check you're covered before getting behind the wheel of someone else's vehicle.
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Personal Belongings

Should your personal belongings be lost due to fire, theft or accidental damage they will be replaced upto an agreed amount. There may be some exclusions and amounts covered may vary from insurer to insurer.


Many of the insurers we place cover with offer breakdown and rescue. Arranged with a UK recognised breakdown recovery organisation it will offer you roadside assistance, recovery, at-home assistance and onward travel.
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Motor legal Expenses or Uninsured Loss Recover

Uninsured loss recovery provides cover for legal expenses to pursue a guilty third party. Uninsured losses may include policy excess, vehicle hire charges, and other costs caused by third-party negligence – as well as the cost of pursuing a personal injury claim.
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