Vehicle insurance

If you’re in an accident

If you have an accident causing damage or injury you must give the following to anyone with ‘reasonable grounds for requiring them,’ for example an insurance company:

  • your name and address
  • the vehicle registration number

You also need to give the owner’s name and address if the vehicle isn’t yours.

You must report the accident to the police within 24 hours if you don’t give your details at the time of the accident.

You must also report the accident to your insurance company, even if you’re not planning to make a claim.

Accidents with uninsured motorists

You should tell the police if you have an accident with someone who’s not insured.

Your insurance company will also be able to give you more advice.

You might also be able to get compensation if you’re the victim of an uninsured or hit and run driver.

  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