Do you hav to hav insurance to drive a car?

Question

well i might buy a cheap old car (one that i dont have to worry about scratching or dinting) but do i HAVE to get insurance? and what other stuff do i HAVE to get like tax and what not and how much does all that cost?

Answer 1

You need a minimum of third party insurance. This is to cover any damage to other peoples property and most importantly, it will allow anybody that may be seriously injured by you to claim compensation. That should be your main concern.

Answer 2

Yes you do have to have Insurance & Tax &  Nct (not too sure what there called in England) I think their called Mot's... It's just to state that your car is road worthy!  Hope it helps! ;-)

Answer 3

YES you need it incase you run into someone else. Yoy need tax before a car can go on the road.

Answer 4

If you don't know the answers to your questions then you should not be considering to become a motorist on the public roads. Do all the other motorists a favour.

Answer 5

No I don't think u have to, but it is recommened.

Answer 6

Not sure about the UK but here in the US there is a type of insurance called "liability."  It doesn't cover your car, just the minimum requirement in case you are in an accident that is your fault.

And yes, you always have to get your car registered and pay taxes.  Over here, the DMV for each state has their own fees, and you can get information on how much those are by calling them or going to their website.

Answer 7

Is this question a joke???

With no insurance...you will have NO MOT..

People like you cost innocent people that pay their insurance money.

Answer 8

its not legal to drive without a valid licence, insurance, tax and a valid MOT. if you get caught without any of the above, you will be in big trouble!

Answer 9

yeah you do have to have insurance.  Depends on your age, what your driving and believe it or not sometimes it depends on your postcode too!

When i first passed my test, I was driving a corsa 01 plate, 1 litre.. without pass plus (extra 6hrs motorway lessons) it was costing me £1,800!! So I did the pass plus and that knocked a fair amount off it.. went down to £1,035 and the lessons cost £100! I was 18 at the time. It was a fairly new car at that point tho!

Tax depends on how big an engine etc.. at the moment I'm driving a 1.4 fiesta and it cost me £58 for 6 months or £110 for the year!

It's expensive business! The price we pay for a little freedom :P

Answer 10

You need insurance, road tax and a valid Mot to be able to drive a car legally in the UK.  A full driving licence helps as well.

It is no point in trying to get away with it these days as all police cars are fitted with number plate recognition software that allows them to see it they are taxed, moted and insured.

Answer 11

To be legal on the road, you must get insurance. You will also need an MOT if your car is over three years old and road tax. You will not get your road tax unless you have an MOT and insurance. If you manage to tax your car with, say, an insurance cover note and then have some sort of incident without paying your insurance, you will not be covered. Your insurance will not kick in if you fail to keep your car MOT'd. The main point here is that you must have all three. Shop around for insurance as prices can vary dramaticaly. MOT's are around forty pounds if your car does not need any work done on it and tax is between fifty and one hundred and fifty pounds, depending on engine size and emissions(that's for six months). Hope that was of some help.

Answer 12

Yes you need to have insurance, valid MOT and road tax disk.

Answer 13

Sine you asked that question, I'm guessing you don't anything, sorry but that's what I believe, so this government site will help:

http://www.direct.gov.uk/en/Motoring/ind...

Answer 14

Unfortunately it doesnt matter how old your car is (my first was a rusty K reg Fiesta 5 years ago!) you will need to get insurance incase you bump into anything else - look into insurance, there are different types -

you will at least require 3rd party, fire and theft, which is the most basic. If you are younger, this will be cheaper, but as you get older or if you can afford it, you can get fully comprehensive and that will cover everything - your car too. I have this now that I am a wee bit older (24 now)

Road tax is another major thing you have to have - even if your car is just sitting on the street without you driving it yet. If it is kept on a public road, you will need a valid tax disk, these can be bought every 6 months or annually (6 months at a time obviously cheaper short term)

The third important thing is a valid MOT - this is a test that is done every year and checks your car is roadworthy.

The best thing to do is get a friend or neighbour to help you check and service your car, and if you talk to insurance companies, the Post Office or visit DVLA or Government web-sites you can get all the info you need.

I know it is a pain but it is definately worth it to keep yourself right! Best of luck xx

Answer 15

A policy to cover third-party liability for injuries or damage is the minimum legal requirement for insurance in the U.K.    You are under no obligation to add fire & theft, although many brokers will only quote for TPF&T (third party fire & theft) as their minimum.  The difference between third-party only and TPF&T is often very small anyway, unless the car is particularly valuable.  As I'm assuming you are a young driver, the cost for third-party liability will form the larger part of the quote anyway on a cheap car.

You are required to have the minimum liability cover for ANY time you drive on a public highway, no exceptions.

A current MoT (Ministry of Transport) inspection certificate is required for all cars over 3 years old.  There are a few exceptions which are quite logical:  You are allowed to drive to a pre-booked MoT inspection and home again afterward, for example, and you are allowed to drive to/from a place of repair after failing the inspection to get whatever it was that caused the failure fixed.

You are also required to display a current vehicle excise license (tax disk) at all times the car is on a public highway (even if just parked).  Again, there are a few legal exceptions, the main one being for driving to/from an MoT inspection (which is quite logical, given you cannot get a tax disk without a valid MoT certificate).

Answer 16

it is a legal requirement, so is tax n mot. Insurance prices vary, get a quote from confused.com or tesco compare. Tax costs depend on emissions, look on dvla website for price 4 your car. Mot costs around £50 plus any labour n parts costs if it needs work doin. U cant drive a car without any of them!