• The Road Traffic Act legally requires every driver on the UK highways to be protected by car insurance.

• The minimum level of car insurance required by law is third party insurance.

• If you are charged for a drink driving offence then your car insurance premiums will at least double.

• Drivers who use their vehicle in order to commute to work will need to have car insurance that covers them for this activity.

• The no claims bonus is an invaluable means of keeping your premiums low. For an additional charge most car insurance companies will allow you to protect your NCB, which will mean that you will be able to make a claim without losing your no claims discount.

• Applicants for car insurance must be entirely honest on their forms as otherwise they could risk invalidating their policy should they be accepted.

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