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19 Apr 2021
Jamie Gibbs Jamie Gibbs

Insurance, car tax, MOTs and the law

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An MOT certificate with two spanners over it 

If your car documents aren't up to date, you could face a fine and points on your driving licence. Here's what you need to know.

   

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What the law says about car insurance

It's against the las to drive a car without a valid car insurance policy.

It's also an offence to keep an uninsured car on a driveway or in a garage.

Only cars that are registered with the DVLA with a Statutory Off-Road Notification (SORN) – can be kept uninsured and untaxed.

The police can give you an instant £100 fine, and your car could be impounded or destroyed. If it goes to court, you could wind up with a £1,000 fine, points on your licence and even disqualification.

Even if your car is covered, you need to be registered to drive it. If you're not named on the policy and don't have 'driving other cars' (DOC), you could face a minimum £300 fixed-penalty notice, or a court fine of up to £5,000.

READ MORE: Can I drive someone else's car on my insurance policy?

 

How do I check if my car is taxed?

The easiest way to check if your car is taxed is to visit the government website.

Enter your car registration, and it'll tell you whether the car has valid tax.

It'll also tell you when your tax expires, which is handy.

If your car isn't taxed, you could get hit with an £80. If you don't pay the fine, your car could be clamped or crushed.

READ MORE: How to tax your car

 

How do I check if my car has a valid MOT?

To check your car's MOT status, you can use our free MOT check tool.

You put in your car's reg number and it'll tell you whether it has a valid MOT. You'll also see when your MOT expires.

If you're caught driving without a valid MOT certificate, you could get a find of up to £1,000.

READ MORE: How to pass your MOT first time

 

Does the law require me to service my car every year?

Not at all.

Giving your car an annual service could be worth looking into if you're not already doing it. If nothing else, it'll help keep your motor running smoothly.

And when it comes to sell the car, having a full service history could help bump up the price.

But you're under no obligation to service your car.

READ MORE: Signs your car needs a service

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