Rules in England, Wales and Scotland
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’.
If not, you could:
- get a fixed penalty of £100
- have your vehicle wheel-clamped, impounded or destroyed
- face a court prosecution, with a possible maximum fine of £1,000
It doesn’t matter who is driving the car - if you’re the registered keeper, you could get penalised.
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.
Rules in Northern Ireland
There are different rules for vehicle insurance in Northern Ireland.