The law requires you to have motor vehicle insurance before you are permitted to drive a vehicle on the road. The relevant legislation in Antigua & Barbuda is The Motor Vehicles Insurance (Third Party Risks) Ordinance, requires all motorists to be insured against their liability for injuries suffered by third parties resulting from the use of their vehicle on a public road. It is an offense to drive your vehicle or allow others to drive it without insurance coverage. The minimum level of motor insurance which you are required to have is the Third Party. However, you are free to choose whether you want to buy more cover than the minimum or purchase additional benefits such as windscreen damage cover.