The answer options
- Third party, fire and theft
- Third party onlyCorrect
- Comprehensive
- Personal injury cover
Why that is the answer
Under UK law, the minimum level of motor insurance required to drive on public roads is third party only. This basic cover ensures that if you cause an incident, any injury to other people or damage to their property and vehicles is covered. While policies such as comprehensive or third party, fire and theft offer greater protection for your own vehicle, these higher levels of cover are optional rather than a legal requirement.
How this comes up in the real test
Questions from essential documents appear throughout the 50-question multiple-choice section, and the wording changes between versions. Learn the rule rather than the sentence: the DVSA can ask the same point from the opposite direction, and a memorised answer falls over the moment the phrasing moves.
The pass mark is 43 out of 50, so seven wrong answers is your entire margin. If a whole category is shaky, run the topic practice below until you are getting every question right for the right reason, then go back to full mocks under the clock.
More essential documents questions
- A police officer requests to view your paperwork. They are not with you at this time. How many days do you have to produce them at a police station?
- Before you can legally use a motor vehicle on the road, what do you need?
- Before you drive someone else's vehicle, what must you ensure?
- For how long is a Statutory Off-Road Notification (SORN) valid?
- For how long is an MOT certificate normally valid?
- The vehicle registration document will tell you what?