What is the minimum cover requirement under the Road Traffic Act 1988?

The minimum cover requirement under the Road Traffic Act 1988 is specifically designed to provide protection to third parties involved in road traffic accidents. This legal framework mandates that all drivers must have at least a form of liability insurance to cover injuries or damage to other people and their property that may arise from the use of the vehicle.

The term "RTA cover" refers to this minimum level of insurance, which primarily ensures that victims of a motor vehicle accident can claim compensation for injuries and losses. Consequently, this insurance does not have to cover damages to the insured's own vehicle or injuries to themselves. Therefore, it is essential for drivers in the UK to meet this requirement to comply with the law and to ensure that victims are protected.

In contrast, comprehensive cover, third party only cover, and third party fire and theft cover offer various levels of additional protection that go beyond the legal minimum but are not what the Road Traffic Act stipulates as the required coverage.