Obtaining car insurance in Wales is exactly the same as it is in England. The same legal minimum requirements apply that each driver has a policy which covers the driver but not the vehicle although comprehensive cover can be purchased if required. If a third party uses a vehicle with express permission from the owner, that driver must their own a policy which covers them to drive the vehicle legally.
English laws apply for all motoring legislation in Wales and minimum obligations state that each policy must cover the driver for third party damages in the event of an accident with another vehicle. It is mandatory to have insurance and any person caught without adequate cover is committing an offense and can receive a heavy fine. A license can be endorsed with penalty points for drivers who are caught driving without insurance and a criminal record can also arise if offenders persist in driving a vehicle without adequate cover.
Welsh policy prices are lower than in they are in England. This is mainly because Wales is a more rural area so there are fewer cars and, as a result, there is less car crime. Wales had the lowest reported incidents of crime and accidents across the whole of the United Kingdom.
As with England and Scotland, every vehicle must have a current MOT test certificate if it is more than three years old. If the vehicle is less than three years old, it does not need an MOT certificate in order for the insurance to be valid. However, there must still be a valid road fund license disc on display in the window. Without all three of these legally in place, the driver is deemed to be uninsured even if there is a valid policy active against their name.