Vehicle insurance

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:

The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.

  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 isn't 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 don't have it £25
  3. Step 3 Insure the vehicle

    You must have insurance before you can use your vehicle on the road.

    1. Check if your vehicle is insured on the Motor Insurance Database
    2. Read about vehicle insurance
  4. Step 4 Tax the vehicle