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third-party insurance

Insurance against risks to people other than those that are parties to the policy. It is illegal to use, or allow anyone else to use, a motor vehicle on a road unless there is a valid insurance policy covering death, physical injury, or damage caused by the use of the vehicle in Great Britain. It also covers any liability resulting from the use of a vehicle (or a trailer) that is compulsorily insurable in EEC countries. The policy is only considered valid when a certificate of insurance has been issued.

There is a duty upon anyone driving a motor vehicle to give his name and address and that of the car owner and to produce the certificate of insurance whenever asked to do so by a police officer. He may, however, produce it within five days at any police station he specifies at the time he was asked to produce it. There is also a duty to give details of one’s insurance to any person making a claim against it or to any chief police officer who is checking whether the legal requirements of insurance are complied with. Breach of any of these duties is punishable by fine. See also *driving without insurance.

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