Before you start your engine, the first thing to do is get car insurance. Car insurance provides cover against loss due to theft of traffic accidents.

No fault insurance is a system where a party who is injured in an accident recovers damages up to a specific amount, against his/her own insurance company.

It is an offence under the Road Traffic Act, to drive your car without insurance. There are three forms of motor insurance cover.

1) Third party. This is the minimum legal level of insurance. The first two parties are the driver and insurance company. Third party covers the driver's liabilities such as injuries to others and damage to other people's property, such as the third party's car.

2) Third party, theft and fire. This covers the above, with an additional cover for theft and damage caused to the driver's car by attempted theft or fire.

3)Comprehensive -  This insurance covers the third party from fire, theft and accidental damage to the drivers vehicle, personal accident, malicious damage and glass replacement.

There are ways to decrease the cost of car insurance. Insurance broker research shows that motorists can save up to £115 when renewing their policies.

Also protecting your no-claims bonus prevents the loss of a 60% discount on a premium of several hundred pounds.

So follow the steps to insuring your car and you can sit back and enjoy the ride.