Car insurance is a policy that can help cover certain costs after events such as a collision, theft, fire or damage to another person’s vehicle or property. Third-party cover is the minimum required to drive legally in most circumstances in the UK, while third-party, fire and theft and comprehensive policies may provide wider protection. What is covered depends on the policy wording, excesses and exclusions, so damage to your own car or personal belongings may not always be included. Check the details with an FCA-authorised insurer or broker before buying.