Vehicle Insurance: A Simplified Guide
DrivingLessons4All provides Driving Lessons and Instructors in South West London.
Overview
To drive on UK roads, having motor insurance is a must. The legal minimum is third-party insurance, covering damage or injury to others but not your vehicle. Consider using an insurance broker for assistance.
In Case of an Accident
If you’re in an accident, provide your name, address, and vehicle registration number to those with a valid reason, such as an insurance company. Report the accident to the police within 24 hours if details weren’t exchanged at the scene. Inform your insurance company, even if you don’t plan to make a claim.
Accidents with Uninsured Motorists
Notify the police if you’re involved in an accident with an uninsured driver. Seek advice from your insurance company, and you may be eligible for compensation as a victim of an uninsured or hit-and-run driver.
Driving Abroad
For most European countries, your UK vehicle insurance provides minimum third-party cover. Check with your insurer for additional coverage. A green card may be necessary for some countries outside Europe to prove minimum insurance coverage.
Getting a Green Card
Contact your insurer for a green card to show proof of insurance when driving abroad. Carry extra cards for trailers, multiple policies, or multi-car/fleet insurance.
We provide Driving Lessons and Instructors in South West London.
Uninsured Vehicles in England, Wales, and Scotland
Continuous insurance enforcement requires motor insurance for vehicles used on roads. Failure to comply could result in penalties, including fines and vehicle impoundment.
Exceptions for Motor Traders
Vehicles between keepers or registered as ‘in trade’ with the DVLA are excluded from continuous insurance enforcement. Vehicles kept for personal use are not excluded.
Rules in Northern Ireland
Different rules apply for vehicle insurance in Northern Ireland.
Driving Without Insurance
It’s illegal to drive without at least third-party insurance. Penalties for uninsured drivers include fixed fines, penalty points, unlimited fines, and possible disqualification. Police may seize and, in some cases, destroy the uninsured vehicle.
Ensuring you have the right insurance is essential for legal and financial safety on the road. Stay insured and drive responsibly.
Contact Us
If you live in London or the surrounding areas and would like to book your driving lessons with Driving Lessons4All, email us at info@drivinglessons4all.co.uk, fill out the Booking Form or get in touch via online chat.