Exactly. In the UK, the legal minimum insurance that a driver has to have covers third party liability, though it is provided by insurance companies (who then use it as an opportunity to upsell…) It is usually lumped in with a “slightly better than minimum” policy, known as “Third party, fire and theft”.
It reminds me that one problem we had with the London team I spoke of earlier was over expiry dates. That London team was pretty cosmopolitan, and formed of people who did not have a lot of experience in UK administrative processes. I kept reporting a bug to say that agreements with an expiry date were expiring 24 hours too early, and it kept on not being actioned. (Not even being described as a “Won’t fix” which would have alerted me earlier to the problem.)
It turned out - when I did some digging - that the devs in that team were all applying US practice to expiry dates, which is different to UK practice. In the UK, if something expires on 1st January, it expires at midnight on 1st January: 1st January is the last day something is valid. But in the US, something expiring on 1st January will expire at midnight on 31st December: 1st January is the first day something is not valid. With so much proprietary software being of US origin, and with a group of devs from an international background, no-one had realised that US and UK practice differed. It was only because I have a past in UK Government administrative practice that I spotted this and had to insist it was fixed. At least I could explain why.