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Vehicle Insurance


Vehicle insurance is the category of insurance products that cover, surprisingly enough, vehicles.

These can be any sort of vehicle that you can think of, with of course the most common product among these being car insurance, but there are also products available for trucks, motorcycles, vans and other road vehicles - and even specialist products for things like water-based vehicles too.

The requirement for vehicle insurance legally in most countries is what makes it one of the most common forms of insurance - it has been a legal requirement in the UK, for instance, to have some form of vehicle insurance since 1930: the minimum required is third-party personal injury insurance. It is an offence to drive without insurance on public land.

Most commonly vehicle insurance offers protection against the costs that occur when there is some sort of accident - such as a car crash or something else that causes physical damage to the car or the driver or passengers of any vehicles that are involved with the accident.

Vehicle insurance can also cover things that do not relate to accidents directly, such as fire that damages the car and also theft of the vehicle too. There are a variety of types of cover available and generally the more comprehensive the policy, the higher the cost too. There is a separate article that goes into more detail about the different type of car insurance products available on the market. For those learning to drive in the UK, the theory test may ask questions relating to insurance and the legal requirements, so it is important to understand these in advance of taking that test, as well as of course being important to understand the legal requirements as a responsible driver anyhow.

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