Car insurance: general rules and regulations

To drive your car on the roads of the UK, you must have insurance.

At a minimum, you must have Third Party Insurance. This means that the insurance will protect you if you cause harm or injury to another person, someone else's vehicle, animal or property. Insurance will not cover other expenses, such as repairing your own car.

You can use the services of an insurance agent.

If you had an accident

If you had an accident and caused someone damage or harm, you will have to provide the person who has "valid reasons to claim" (this may be an insurance company) the following data:

your name and address;

vehicle registration number.

If the car is not yours, you will also need to provide the name and address of the owner of the car.

You are required to report the incident to the police within 24 hours, if you did not provide your data at the scene of the accident.

You must also report the incident to the insurance company, even if you do not plan to claim insurance.

Accident with drivers without insurance

You should inform the police that you had an accident with someone who does not have insurance. Your insurance company will be able to give you additional advice. If you are injured as a result of a collision with an uninsured car or the driver hit you and disappeared, then you may be able to get compensation.

Driving a car abroad

Driving in the European Union

All British insurances provide you with third-party insurance so that you can safely drive a car in the EU countries.

Check with your insurance company if your insurance covers such things as stealing or damaging your car abroad.

Driving in other countries

Outside the EU, the Green Card proves that your insurance covers the minimum insurance in the country you are entering. Ask your insurance company if they can provide you with such "Green Card".

Uninsured cars

Rules for Wales, Scotland and England (as administrative and political parts of Britain)

You do not need to insure the car if you never leave it on the country's roads (for example, the car is constantly standing in the garage). If you travel by car to the UK road, you must have insurance. Otherwise:

you can get a fixed fine of £100;

they can put a lock on your car, confiscate or destroy it;

you can face a criminal penalty and a possible maximum penalty of £1000.

It does not matter who sits behind the wheel of the car. If you are registered as an owner, you can be punished.

In addition to all the imposed fines, you will be forced to pay for insurance.

Check if your car is registered at askMID.


If the car is registered as "for sale" in the Driver and Vehicle Licensing Agency, it falls under the exclusion of insurance.

Vehicles that you keep for your own use are not subject to an exception.

Rules in Northern Ireland

In Northern Ireland, different rules apply.

Driving without insurance

It is illegal to drive without insurance or, at a minimum, third-party insurance.

Even if the car itself is insured, but you do not have auto insurance, you can be fined.

Penalties for uninsured drivers

The police can issue you a fixed fine of £300 and take 6 points if you are caught driving a car without insurance.

If it comes to court, you can expect:

a fine in any amount;

ban on driving cars.

In some cases, the police have the right to withdraw and even destroy the car on which the driver traveled without insurance.

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