Clarification request.

In the UK, we have three major insurance classifications for cars: third party only -- third party, fire and theft -- comprehensive. The first two are self explanatory, the third means that the insurance company pays up when you prang your car. All three provide unlimited third party insurance (ie if you cause an accident that permanently disables somebody, the insurance company will provide unlimited compensation to the victim according to need). Third party only insurance is mandatory, unless you know how to self insure by registering a government bond.