Car insurance – why do I need it, and why is it important? 

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Is car insurance mandatory?

If you would like to drive a car on the roads legally, you must have eligible car insurance. The minimum insurance you must have is third party insurance, to cover any damage to the other driver if you are involved in a road traffic accident. Having car insurance is the law, but it is also a good way to protect the driver from huge expenses if involved in a road traffic accident. 

What are the benefits of insurance? 

As stated before, car insurance is a practical way to protect individuals involved in a road traffic accident from paying unreasonable costs to fix the damages caused. Having car insurance also gives individuals a peace of mind; with the right kind of car insurance, you can feel protected and secure from the mistakes of others. 

What are the different types of insurance covers? 

There are different types of insurance covers that drivers can take out before driving, the minimum insurance that an individual must hold is third party car insurance. Third-party insurance covers damage to other people involved in the road traffic accident. 

The different types of insurance include: 

  • Third-party car insurance 
  • Third-party fire and theft car insurance 
  • Fully comprehensive car insurance 


That is the minimum cover for all drivers in the UK must-have. This kind of insurance will cover the costs of injury or damage caused to other people or property, however, it does not protect you as a driver. It is an option for individuals who do not have any claims bonuses or can afford to buy another car if they are involved in an accident. A fully comprehensive cover is always advised, and drivers should shop around before picking a cover. 

Third-Party, fire and theft 

This sort of insurance supplies drivers with the same cover as a third party, which doesn’t protect your or your car. This insurance also covers repairs and funds the replacement of the car if it is stolen or damaged by fire. 

Fully Comprehensive

Fully comprehensive insurance is the safest insurance cover a driver can take out. This insurance cover will cover the same as the above two including yourself and your property if you are involved in a road traffic accident. Some covers provide compensation for things such as legal expenses, accidental damage and any medical treatment that may be necessary. This is the safest and most popular car insurance that drivers take out. 

Are you facing motoring charges? 

If you think you have committed an offence or have received a notice that you did, we highly advise that you contact one of our motoring experts as soon as it is possible. We will ensure that you come out with the best possible outcome and you are well informed of the processes you are likely to face. If you are facing court dates, our experienced solicitors have excellent relations with barristers in Glasgow; that will defend your case in court to the highest possible standard. 

Contact Belmont Solicitors now. 

We understand that facing driving charges can be an extremely confusing and stressful time for anyone. We will ensure that your process is as stress-free as possible, enabling you to come out with the lowest possible charges, enabling you to get back to your daily life. 

Contact us now by calling 0141 7298 848 or email us at or pop into our office in the heart of Glasgow!

To find out more about the latest news, blogs and updates, visit our Latest Articles page now. If you want regular updates, follow us on Instagram, Facebook and LinkedIn as @BelmontSolicitors.

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