It is a legal requirement to have motor insurance if you want to drive your car in a public place and you must produce a current Certificate of Insurance to pay motor tax. Failure to have motor insurance when driving is a very serious offence and drivers will incur fines, penalty points and may be disqualified from driving.
Motor insurance is about protecting other road users as opposed to the driver of the insured vehicle and it is not an optional extra. Insurance companies provide motor insurance and unlike road tax, there is no such thing as a “standard” rate.
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