QUOTE (Hugh Saskin @ Jan 4 2010, 11:21 AM)
Yes, and I've also read my insurance document, which is headed 'Motor Insurance - Certificate of Motor Insurance' with Item 1 reading 'Description of vehicle or registration number'. If there's no compulsion to insure a vehicle, why, I wonder, do millions of people apparently still do it?
Confused - and never mind the dot.com
To drive on the road you need 3rd party insurance which is for the driver and provides cover if other parties are involved. The risk of the car type, age, condition and the driver is taken into account and a premium set accordingly.
Any additional insurance is to cover the costs of damage to your own vehicle. Because most insurance companies offer third part fire and theft or comprehensive insurance, the premium is based on the cost of fixing/replacing a specific car and the risk of the driver causing a claim.
I think that the reason the car is viewed as insured is because it is easier to enforce insurance on cars than people.