Third Party Fire & Theft is the correct term.
Basic insurance that covers damage YOU cause to others including their personal injuries.
It does not pay for repairs to your own vehicle unless it gets nicked or torched or personal injury.
For a vehicle to be parked on the public highway (street) in the UK it must have passed an annual roadworthiness vehicle inspection, Be taxed (Vehicle Excise Duty .Road Tax by any other name)
and at least TPFT insurance.
I must admit that I've never heard of not being covered for a commute to work !
One good thing about all now is that Road Tax discs are not issued anymore. It's all online. There are websites where you can check if the vehicle is insured, taxed etc
Hopefully if you punch my rego in KX07AKC it'll say I'm insured !!
He told the court the insurance had not paid out on the incident, as he was drink driving.
lol .. That'll learn im !
Edited by Outcast_Aussie, 11 January 2018 - 12:20 AM.