What is the minimum car insurance required in Northern Ireland?
Third-party insurance covers your legal liability for injury or damage caused to other people and their property. It does not generally pay for damage to your own vehicle.
Third-party fire and theft adds cover for theft and certain fire losses, while comprehensive insurance usually also covers damage to your own vehicle, subject to the policy terms.
Do not choose a policy only by its label. Compare excesses, named drivers, commuting, business use, mileage limits, courtesy-car terms and exclusions because two 'comprehensive' policies can provide very different practical cover.
For 'What is the minimum car insurance required in Northern Ireland?', check the actual policy wording or insurer confirmation rather than assuming another driver's policy works the same way. Cover, disclosure duties and excesses can vary materially between insurers.
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