Why do I need car insurance? What are the different types of car insurance? What details will I need to provide? What does 'no-claims discount' mean? Do I need to give evidence of my no-claims discount (NCD)? Why do I have to state my annual mileage? What changes in my circumstances do I need to tell you about? What's legal cover and do I need it? I have penalty points. Will this affect the cost of my insurance? What counts as a modification to my car? Does my insurance let me drive other people’s cars? What are insurance groups?