Uninsured vehicles

You must have motor insurance for your vehicle if you use it on roads and in public places.

You do not need to insure your vehicle if it is kept off the road and declared as off the road (SORN). This rule is called ‘continuous insurance enforcement’.

You can check if your vehicle is insured on askMID.

There are different rules for vehicle insurance in Northern Ireland.

Penalties

If you’re the registered keeper of an uninsured vehicle that’s not been declared as off the road, you could:

  • be fined £100
  • have your vehicle wheel-clamped, impounded or destroyed
  • be taken to court where you could get a maximum fine of £1,000

You will also still have to pay for your insurance on top of any fines received.

Motor traders - exceptions

If a vehicle is between registered keepers or registered as ‘in trade’ with the Driver and Vehicle Licensing Agency (DVLA), it is excluded from continuous insurance enforcement.

Vehicles you keep for your own use are not excluded.

  1. Step 1 Check the vehicle before you buy it

    You'll need the vehicle's registration number, make, model and MOT test number. You also need to see the V5C vehicle registration certificate (log book).

    1. Check the details you've been given match DVLA's information
    2. Check the vehicle's MOT history
    3. Check if the vehicle has been recalled because of a safety issue
    4. Check the log book is not for a stolen vehicle
  2. Step 2 Buy and register the vehicle

    Once you've bought the vehicle, you have to register it. How you register it depends on whether it has a V5C registration certificate (log book).

    1. Find out how to register your vehicle
    2. Get a vehicle log book if you do not have it £25
  3. and Register for MOT reminders

    You must get an MOT for your vehicle every year once it's 3 years old.

    1. Get a reminder when your MOT is due
  4. Step 3 Insure the vehicle

  5. Step 4 Tax the vehicle