In the UK, you must have at least third-party car insurance to drive on public roads, unless a legal exception applies. The cheapest policy is not always the most suitable, as it may offer lower cover, a higher excess or important exclusions. Compare the policy wording, excess, claims process and limits, and make sure you give the insurer accurate information about your car and how you use it. Check that the provider is FCA-authorised, and consider seeking independent advice if you are unsure which cover is appropriate.