Can't speak to what's on offer, but legally you only need liability insurance (the type you described). > You must have motor insurance to drive your vehicle o

Can't speak to what's on offer, but legally you only need liability insurance (the type you described). > You must have motor insurance to drive your vehicle on UK roads. > Third party insurance is the legal minimum. This means you’re covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. It does not cover any other costs like repair to your own vehicle. https://www.gov.uk/vehicle-insurance#:~:text=You%20must%20have%20motor%20insurance,repair%20to%20your%20own%20vehicle https://www.gov.uk/vehicle-insurance#:~:text=You%20must%20ha....