Matthew's Journal

My understanding is that if two parties have a bump, and the insurance companies can't tell who was really at fault (eg both drivers say it's the other's fault and no witnesses come forward), they both pay out. Which means that the insurance isn't just for the risk of *you* making a mistake, but also for someone else making one and blaming you.

At my garage the system is slightly different; they require fully comp insurance for courtesy cars, so if your own insurance covers that they're happy, or you can buy it from someone else, or buy it from them. I don't know whether it's easy to buy one day's fully comp insurance from anyone else - for a fiver I can't be bothered to find out. (My own insurance being fully comp for my own car but third party for anyone else's.)