Personal accident benefit may already be included with your standard car insurance policy, but can be taken out separately if not. It pays out if you or your partner suffer a serious injury in the event of an accident, whether in your car or somebody else's.

If something does go wrong, car insurance offers the peace of mind that you will be protected against any liability or loss you incurred. There are thousands of fatal and serious accidents on Great Britain's roads each year, and many more non-fatal accidents, where an insurance claim could be made.  

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If you drive a car in the UK, you must be insured. There are innumerable insurance providers: you can even buy car insurance at supermarkets. Most car insurance providers now have websites, which makes it easy to research and compare policies from a variety of providers.

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