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.

read other news here

car_insurance rules regulations UK
If you notice an error, highlight the text you want and press Ctrl + Enter to report it to the editor
4 views in october
I recommend
No recommendations yet


Post your comment to communicate and discuss this article.

About 13 million adults in the UK live in areas where at least half of the local banks and building societies have closed, analysis by the BBC reveals. Figures from the Office for National Statistics (ONS) show nearly 6,000 local branches have shut since 2010, a fall of a third. The consumer group Which? called the number of closures "alarming". Trade association UK Finance said closing a branch was a last resort when usage falls. Banks and building societ...
A ban on sales of new petrol and diesel cars should be brought forward by eight years to 2032, MPs have said. The government's current plans to ensure all new cars are "effectively zero emission" by 2040 were "vague and unambitious", a report by Parliament's business select committee said. It also criticised cuts to subsidies and the lack of charging points. The government said it aimed to make the UK "the best place in the world" to own an electric vehicl...
London area home sales fell 15.9 per cent in September from August because of a shortage of homes to sell, and that shortage of inventory helped push up prices by 20 per cent from a year ago, the head of the London St. Thomas Association of Realtors (LSTAR) said. In September, LSTAR reported 776 homes changed hands in London and St. Thomas, compared to a near-record August, when 923 homes were sold. By the numbers Homes sold in September: 776 (a drop of 6....
Radical preacher Anjem Choudary, jailed for inviting support for the Islamic State group, has been released. The cleric was sentenced in 2016 to five-and-a-half years in prison. He led an extremist network linked to violent jihadists, including one of the killers of soldier Lee Rigby in 2013. Choudary, 51, has now served half of his sentence and will complete the rest under strict supervision. Police are preparing up to 25 measures to control him, the BBC...
One of London's front-running mayoral candidates has already put 40 per cent more of his own money into his campaign than the $25,000 limit allowed by law, a move that could put him in jeopardy if he wins the top job, provincial and civic election officials say. One of London’s front-running mayoral candidates has already put 40 per cent more of his own money into his campaign than the $25,000 limit allowed by law, a move that could put him in jeopardy if...
Nearly 150 County of Lambton paramedics are no longer responding to non-emergency calls amid ongoing negotiations for a new contract. Job action as of last Saturday means Lambton County paramedics won’t be doing non-urgent transfers between hospitals for the next while, or keeping ambulance stations as neat and tidy, a union spokesperson says. Nearly 150 Lambton Emergency Medical Services (EMS) paramedics represented by SEIU Healthcare Local 1 stopped resp...
Clapham Junction has been named London’s worst mainline train station for disruption in a survey by leading consumer title Which? Fifty-seven per cent of trains have been late or cancelled at the south London interchange since the beginning of the year, their research found. Their study found King’s Cross was the second worst, with 51 per cent of trains delayed or cancelled, followed by Victoria (47 per cent), Stratford (44 per cent) and London Bridge (44...
Tube drivers on the Piccadilly Line are set to hold fresh 24-hour strike action in a row over staffing and working conditions. The RMT Union has urged members to walk out at 12:00 BST on 7 November until noon the following day - writes The union's general secretary Mick Cash said it had become "frustrated" with Tube bosses' handling of a "full raft of issues". Transport for London (TfL) said it was "disappointed" with the new strike. Drivers on the...
The Tate and the Royal Shakespeare Company (RSC) are calling for a premium to fund arts classes in England's schools. The major arts institutions say league tables and pressures on time and budgets are squeezing out important creative subjects - writes Six thousand 11 to 18-year-olds have described how the subjects help build their confidence, in new research. The government says it is investing almost £500m in arts and music. Creative subjects hav...