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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