use or that your own insurance provides adequate cover. You MUST NOT   drive a motor vehicle without insurance. Also, be aware that  even if a road traffic incident is not your fault, you may still be held  liable by insurance companies.  Law RTA 1988 sect 143  Uninsured drivers can now be automatically detected by roadside  cameras. Further to the penalties for uninsured driving (see ‘Penalty table’), an offender’s vehicle can now be seized by the Police, taken  away and crushed.  Law RTA 1988, sects 165a & 165b The types of cover available are indicated below:  Third-Party insurance   - this is often the cheapest form of insurance,  and is the minimum cover required by law. It covers anyone you  might injure or whose property you might damage. It does not  cover damage to your own motor vehicle or injury to yourself.  Third-Party, Fire and Theft insurance   - similar to third-party, but  also covers you against your motor vehicle being stolen, or  damaged by fire.  Comprehensive insurance   - this is the most expensive but the best  insurance. Apart from covering other persons and property against  injury or damage, it also covers damage to your own motor vehicle,  up to the market value of that vehicle, and personal injury to  yourself. highwaycodeuk.co.uk 165 