A majority of the population in the United Kingdom have some kind auto owner insurance for the car insurance they drive, even if they do not travel far they need to have the auto insurance to cover themselves for crashes, knocks or illness and the results of this while in control of a vehicle.
This auto insurance is not just for you though it is to protect other driver on the road as if someone was to happen and was your fault then your insurance company will usually pay out to the third party if you happen to drive into them and cause their car damage or if your hurt them in the accident.
This though is not always your fault which usually occurs if you become ill at the will which we all hope is never the case but sometimes you do find people pass out at the wheel, become ill in general at the wheel so cannot concentrate and end up crashing into something or someone. The insurance company can pay out for you to if your car is damaged all though your auto owner insurance will most likely go up when you renew due to the claiming on your insurance policy. Have a look at autoownerinsurance.co for some very good information.