Originally Posted by
SLXOwft
In the event of a no fault car 'occurence' you are expected to claim on your own insurance policy and you insurer will manage the claim against the other party, surely the same applies here - the licence advises you in the strongest terms that it is your responsibility to take insurance to protect your own property.
You may be expected to, but you don't have to and it isn't in your interest to - particularly as your no claims bonus will go and your premiums increase as a result if the claim. Cue a round of "but my insurer ...". These days insurers don't even advise you to, they will hand you off to a claim management/ credit hire company.
The licence may advise you to take out insurance but that doesn't stop the negligent party being liable.