Car Insurance in England
Regulated by law car insurance in Britain has been since 1930. Then the government decided that each person using the vehicle for its intended purpose, is obliged to insure their civil liability.
Today the insurance legislation governing road in England Act 1988, under which any driver must either insure or make a special deposit of £ 500 000. The object of insurance – civil liability for causing damage to other people and / or property occurring as a result of vehicle use on roads and other places.
The most basic insurance, which is often sold, and which meets the requirements of the Act, referred to as "third-party insurance» (third party only insurance). This is a basic set of risks, not less, but no more than that requires the Act.
Britain is home to the direct insurance. Direct insurance in the United Kingdom now takes more than two thirds of the market. Learn more about over 50 dating site!
Not to be confused with the road Act "Only Insurance» (Road Traffic Act Only Insurance). The latter provides the least protection, such that only the main road does not violate the Act. For example, the limit of liability for damage to property is equal to? 250,000 and medical expenses are not compensable. At the same time, the limit of liability of "third-party insurance" is much larger and covers the cost of treatment.
Keep the car yourself or allow others to do so without the presence of at least the very minimum coverage is a crime in England. However, it is interesting that the Act applies only to public roads and not to the road, laid on private estates.
There are exceptions in the Act. They are made for vehicles belonging to local and supreme authority, police, firefighters, doctors, and certain other categories of citizens.
The certificate of insurance or certificate of coverage issued by an insurance company, indicates that the vehicle referred to therein, is insured. By law, the person in authority, such as a police officer may ask the driver to produce the document for verification. If that does not immediately produce a document, he will receive the completed paper form a special police HORT / 1 and 7 days in which to visit your nearest police station and still produce valid insurance. An employee at the site, making sure that the insurance is valid, fills out a form HORT / 2, and sends it to the policeman who stopped the car on the road, that he knew that the incident was over.
If the vehicle has been substantially modified (even officially registered tuning Agency), the insurance company have to be made aware of this, otherwise the policy will be considered null and void, and the owner will face punishment in the case of a meeting with the police.
British drivers must attach their driver's license in a conspicuous place, such as a windshield when they travel on public roads – as their Russian colleagues attached inspection card.
Automobile Insurance Bureau (Motor Insurers Bureau) pays compensation to victims if the perpetrator of the accident was not insured. Also, it uses a database of auto insurance market, where there is information about each car insured country.