Like or not, getting car insurance is a legal and necessary step to driving in the UK. Depending on the level of cover you choose, car insurance is there to cover you and third parties (other people). 

We’ll take you through some of the reasons why car insurance is mandatory and what would happen if you drove without insurance. 

Is it a legal requirement? 

Yes, as a legal requirement in the UK, car insurance is mandatory for any roadworthy car you possess. Similar to other forms of insurance, car policies offer protection against damages or theft on your vehicle and damages to third parties. 

The Road Traffic Act of 1930 made it compulsory for all drivers to have at least third party only cover. At the bare minimum, you’re required to have, third party only, provides the least amount of cover for you. But it covers other people if you were involved in an accident. 

Why do you need car insurance? 

Depending on the cover you get, car insurance is designed to protect you and third parties from damages caused by your vehicles and theirs. Getting car insurance may be an annoying cost, but it provides financial and medical security if you ever got into an accident. Even the most careful and skilled drivers have accidents, we strongly urge you to pick a policy that fully protects you. 

To illustrate how important car insurance is and the level of cover you pick, take this example. Imagine you’re involved in an accident and you’ve only got third party only cover on the vehicle. The third-party (other people/people) will be covered for the damages their vehicle sustained, plus any medical bills. However, if your car is damaged and you were injured, you’d have to pay for the damages to your car and your medical bills. 

It’s important that you not only get car insurance but consider what type of insurance policy you want to take out. 

What would happen if you drove an uninsured car? 

Firstly, we recommend you don’t even consider this. However, if you do and you get caught you’ll get a fixed fine of £300 and six points will be added to your license. But if your case went to court, your fine would be unlimited and you could get disqualified from driving. Additionally, in the worst-case scenario, the police have the authority to seize your car and destroy it. 

The only time you won’t need to insure a car or pay road tax is if it’s off-road and not in use. In this case, you need to apply for a Statutory Off Road Notification (SORN). 

Once your car’s application has been declared and accepted, you need to keep it in a stored location (driveway, garage) and it cannot be driven. 

Need helping find the right insurance?

If you need help finding the right cover at the right price, our guide ‘How to get the best deals on car insurance’ gives you industry secrets that will slash the price of your premium. 

Alternically, you can give our team of experts a call on 0333 222 4005 and they’ll help you.