What's the legal minimum insurance cover you must have to drive on public roads?
- A Third party, fire and theft
- B Comprehensive
- C Third party only
- D Personal injury cover
Why this is the answer
The minimum insurance required by law is third-party cover. This covers your liability to others involved in a collision but not damage to your vehicle. Basic third-party insurance also will not cover theft or fire damage. Ask your insurance company for advice on the best cover for you and make sure that you read the policy carefully.
Why the other answers don't fit
- A
- Third party, fire and theft — More than the law requires, and more expensive for it.
- B
- Comprehensive — The fullest cover there is, and well above the legal minimum.
- D
- Personal injury cover — That looks after you. The law's concern is the harm you might do to others.
Where this comes from
- Driving: the essential skills — section 2
- The Highway Code — page 141
Rule numbers link to The Highway Code on gov.uk.
Where this question comes from
The question, its options and the explanation are reproduced word for word from the DVSA revision question bank under licence. The licence requires them to appear unaltered, so we cannot reword them and neither can anyone else — that is why you will meet the same wording on other sites. Everything else on this page is written by Theory Hub: the explanation of why each wrong answer is wrong, the topic guide and the revision notes.
Asked in: Car
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