If you drive a vehicle, it is compulsory for you to have adequate motor insurance, so that you are covered against liability for injuries to others and for damage to other people's property. It is an offence to drive your car (or allow others to drive it) without insurance.

However, car insurance is much more than a legal requirement. Choosing the right policy can not only protect you against considerable financial loss, but can also make the aftermath of a theft or an accident far less stressful.

In this section, you'll find a guide to all the areas that vehicle insurance will cover, and what you need to understand before purchasing a policy. There's also a look at how those all important premiums are calculated, and what you can do to minimise the chances that you'll ever have to make a claim.