It is unlawful to use, or permit use of, a motor vehicle on a road without a third party policy or security (s.143). Minimum cover is liability for death or injury and for property damage up to £250,000 under a policy issued by an authorised insurer belonging to the Motor Insurers’ Bureau and meeting EC requirements. The policy must also cover emergency treatment. The insurer’s right to avoid an ‘Act’ claim is restricted (s.148). See ACT ONLY POLICY; CAR SHARING; MOTOR INSURANCE CERTIFICATES.