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Difficulty: EasyMotor Insurance Coverage and Legalities

Under UK road traffic law, what is the minimum level of motor insurance required before driving a vehicle on a public road?

  1. A
    Third-party, fire and theft
  2. Third-party onlyAnswer
  3. C
    Comprehensive cover
  4. D
    Personal injury and breakdown cover

Answer

Third-party only insurance is the legal minimum required to drive a motor vehicle on public roads in the UK.
Under UK law, third-party only is the minimum legal requirement to drive a vehicle on public roads. It covers liability for injury to other people, damage to other vehicles, and damage to external property.

Step-by-Step Solution

1
Identify the statutory insurance mandate for UK road users.
UK law requires all drivers on public roads to hold valid insurance covering liabilities to third parties.
This guarantees that victims receive compensation if a driver causes injury to others or damages external property.
2
Select the policy tier that meets the statutory baseline without optional additions.
Third-party only insurance covers liability for injuries to other people and damage to their property, fulfilling the baseline legal requirement.
Higher tiers (Third-party fire & theft, Comprehensive) provide broader protection for the policyholder's vehicle but are not statutory minimums.

Key Concept

Statutory minimum motor insurance requirements under UK road traffic law
Estimated Time:45s
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Topics

Motor Insurance Coverage and Legalities

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