What you need to drive new car up incline, so close to calamity (9,6)

I believe the answer is:

insurance policy

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'what you need to drive' is the definition.
I can't judge whether this defines the answer.

'new car up incline so close to calamity' is the wordplay.
'new' indicates an anagram.
'close to' indicates one should take the final letters (the close of something is the end).
The last letter of 'calamity' is 'y'.
'car'+'up'+'incline'+'so'='carupinclineso'
'carupinclineso' anagrammed gives 'insurancepolic'.
'insurancepolic'+'y'='INSURANCE POLICY'

Can you help me to learn more?

(Another definition for insurance policy that I've seen is " contract that offers protection".)

I've seen this clue in The Telegraph.

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