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A Quick Guide To The Types Of Car Insurance Available There is no getting around the fact that all drivers have to have car insurance to be legal on the road. This and the desire to save money have led to many drivers looking for car insurance quotes at renewal time. Despite that, some people do not know their options in full. In fact, there are millions of UK drivers that are not familiar with their level of cover and what they are covered for. This is because they cannot distinguish between three types of car insurance that are commonly available.