Driving without insurance
It’s illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance.
Even if the vehicle itself is insured, if you’re not correctly insured to drive it you could get penalised.
Penalties for uninsured drivers:
The police could give you a fixed penalty of £300 and 6 penalty points if you’re caught driving a vehicle you’re not insured to drive.
If the case goes to court you could get:
- an unlimited fine
- disqualified from driving
The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.
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).
Step 2 Buy and register the vehicle
Step 3 Insure the vehicle
You must have insurance before you can use your vehicle on the road.
Step 4 Tax the vehicle
You need to tax the vehicle before you can use it on the road.