Car insurance

It is illegal to drive your vehicle on UK roads without motor insurance.

The minimum legal cover is third party insurance. Third party insurance means you’re covered for causing damage or injury to any other person, vehicle, animal or property. It will not, however cover the cost of damage to your own vehicle.

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In the event of an accident

If you are involved in an accident that causes damage or injury you much pass you insurance information the all involved parties, including:

  • Your name and address
  • Your vehicle registration number

If the vehicle isn't yours, you must give the owners name and address.

If you do not pass on your details you must inform the police within 24 hours.

The accident must be reported to your insurance company, even if you are not planning to make a claim.

Uninsured motorists

If your accident involves an uninsured driver you should contact the police.

Your insurance company will provide you with further information.

Off the road (SORN)

Rules in England, Wales and Scotland

You have to have insurance to legally drive your car on the road.

You do not need insurance if your vehicle is declared as off the road (SORN)

The legal owner of the car may be subject to:

  • a fixed penalty of £100
  • vehicle wheel-clamped, impounded or destroyed
  • prosecution, with a maximum fine of £1,000

Driving while uninsured

It is illegal to drive your vehicle on UK roads without motor insurance.

You can still be penalised if you yourself are not insured to drive the vehicle.

If caught driving without insurance you risk a fixed penalty of £200 and 6 penalty points on your driving licence.

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