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Driving without Insurance, Tax or MOT

By: Sally Aquire - Updated: 11 Jul 2017 | comments*Discuss
 
Driving Without Insurance Driving Tax

Driving without insurance is against the law, but that isn't enough to stop at least 1 million people in the UK from failing to insure their motor vehicle. The consumer website moneysupermarket.com found that as many as 15% of UK motorists have driven without insurance, with 9% of these having driven someone else's vehicle without being properly insured to do so. The law is clear on this: if you are in possession of a motor vehicle, you are legally obliged to get it insured and taxed, as well as putting it in for a yearly MOT test.

Driving Without Insurance

Driving without Insurance is illegal. You don't actually have to be driving the vehicle for it to be a criminal offence - if you own a vehicle that is not insured, you can be prosecuted even if you have never driven it. You can potentially be fined up to £5000 if you are caught, although the typical fine is often a lot less than this. You will also be given a number of penalty points on your driver's licence. You may, in some cases, have your license revoked. As well as driving an uninsured car, It is also illegal to let someone else borrow your car if they are not insured on it.

There are two main types of insurance: Comprehensive, and Third Party, Fire and Theft. Third Party insurance is mandatory, but it does not offer you protection if you are involved in an accident with an uninsured driver. For this, you are better off with the Comprehensive cover, although this is more expensive.

Driving Without Road Tax

Before October 2014, all drivers were obliged to display a disc in the front window of their vehicle to show that they had paid road tax. Vehicle tax data is now stored online so it is no longer necessary to display a tax disc; the police can establish immediately whether a car has been taxed by accessing the DVLA database. Monthly computer checks mean that it is becoming increasingly difficult to escape paying the tax. If you are found to have failed to purchase or renew your road tax, you will be fined, failure to pay this can result in a County Court Judgement, or having your vehicle clamped.

Driving Without an MOT

If your vehicle is at least three years old, it needs to pass an MOT test before it can be considered roadworthy. Driving a vehicle that has not successfully passed an MOT test is an offence and can land you with a £1000 fine, but will not usually result in penalty points. Driving without a valid MOT invalidates the insurance and if you were involved in an accident you would not be covered. MOT tests are carried out by most garages across the UK.

If you want to keep a clean driving licence, driving a vehicle that is not insured or taxed, or has not been in for an MOT, is never a good idea. The fines may be relatively small, but the damage to your reputation as a driver is much more difficult to reverse.

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Drove my Dad's car who I'm insured under, however got into a minor incident where my car bumped into another car's rear, whilst pulling out of a carpark. No major damage and no one was hurt. However, the fault was mine. Rang insurance company who then told me the MOT & Tax has expired. What could be the result in this? I know there will be afine because I've been in an incident. Would my insurance still be able to cover damage of the other car? I'm not too bothered about the damage on my Dad's car. What do I do?
Mina - 11-Jul-17 @ 4:11 PM
Idiot- Your Question:
Hi, I know I'm a complete tool and deserve what I'm getting coming to me but iv recently been really struggling and over worked to try get out of debt. I completely forgot to renew my tax for a month and also forgot about getting my car mot'd as I thought I still had one. My car has been impounded and rightly so. But now my insurance has exspired. Iv now got the money to get my car all legal. But how do I get it out the impound. As to tax it I need mot I can book it into my mates garage the day I pick it up and can also now get new inurance and 6 moths tax but is it as simple as getting the car insured and then paying fees to pick car up so I can mot and tax it ?? I presume I just have to provid evidence of insurance and owner ship at the impound and then show the police it's all legal. Can anyone give me some info please

Our Response:
Yes get the insurance, book it into the MOT station on the day you get it removed from being impounded and take it straight there. In theory you should get it towed or transported - check with the police for their views on how you should do this. Purchase your tax online as soon as you have the MOT done.
NoPenaltyPoints - 6-Jul-17 @ 9:53 AM
Hi, I know I'm a complete tool and deserve what I'm getting coming to me but iv recently been really struggling and over worked to try get out of debt. I completely forgot to renew my tax for a month and also forgot about getting my car mot'd as I thought I still had one. My car has been impounded and rightly so. But now my insurance has exspired. Iv now got the money to get my car all legal. But how do I get it out the impound. As to tax it I need mot I can book it into my mates garage the day I pick it up and can also now get new inurance and 6 moths tax but is it as simple as getting the car insured and then paying fees to pick car up so I can mot and tax it ??. I presume I just have to provid evidence of insurance and owner ship at the impound and then show the police it's all legal.Can anyone give me some info please
Idiot - 3-Jul-17 @ 10:21 PM
Ady - Your Question:
Hi I recently purchased a van and being self employed and in the middle of a job I drove it without tax and insurance and was charged for this by the Police.I recently received 5 penalty points for driving without due care and attention and I'm worried that the new charges for driving without tax and insurance will take me over the 12 point threshold,what I want to know is how many points will I receive for the new charges?

Our Response:
The fixed penalty for driving without insurance is a fine of £300 plus 6 penalty points. There is fine of up to £1000 for driving without vehicle tax.
NoPenaltyPoints - 21-Jun-17 @ 2:21 PM
Hi I recently purchased a van and being self employed and in the middle of a job I drove it without tax and insurance and was charged for this by the Police. I recently received 5 penalty points for driving without due care and attention and I'm worried that the new charges for driving without tax and insurance will take me over the 12 point threshold,what I want to know is how many points will I receive for the new charges?
Ady - 19-Jun-17 @ 7:27 PM
Hi, I recently bought a cAr from A dealer. Iv seen log book checked the car online and also called dvla. Car is not stolen, all numbers from Log book matches bumbers on the car and engine and serial key. Dealer looks decent also they sell Lods of new cars and got good reviews. However i havent got v5c/2 and i cant tax my car untill logbook comes. Car is taxed untill next year dealer said i can drive and its safe untill my nee logbook arives after i got i need to tax on my name asap. However im Confused can i actully drive untill i get ny logbook and can tax on my name? Can police see on who car is taxed or they just see general that its taxed as we can see on gov uk site?
Jabat - 5-Jun-17 @ 12:08 AM
What is the law on driving without tax insurance, or mot in a medical emergency? I am epileptic without warning so I usually go down and get potentially a serious head injury, if they last longer than 5 mins or swollow my tongue my son can nip to the lady next door to get me there once thrashing around has stopped. This is obviously quicker than waiting for ambulance but she doesnt have all of the above?
PAT - 1-Jun-17 @ 8:27 PM
jimbo - Your Question:
Hi.I drove my van once while on sorn and have been fined £118.00 by dvla.My concern is that the van was not motd neither (it failed the mot but has been booked in for a retest).Will I be contacted by the police and fined for not having an mot and will I also get points on my license?PS.the van is insured

Our Response:
We don't know how the two organisations communicate with each on issues like this unfortunately, so can't say.
NoPenaltyPoints - 5-May-17 @ 1:53 PM
Hi.....I drove my van once while on sorn and have been fined £118.00 by dvla. My concern is that the van was not motd neither (it failed the mot but has been booked in for a retest). Will I be contacted by the police and fined for not having an mot and will I also get points on my license? PS....the van is insured
jimbo - 5-May-17 @ 9:57 AM
Hi my car got clamped today by the dvla as I didn't have road tax and I've got no mot I've driven the car home and left it on our drive off the road and I'm going to get an not and taxed by am I likely to receive any more come back from this?
Ross - 16-Mar-17 @ 2:34 PM
Shelby - Your Question:
My other half got pulled up from the police because it had came up on there dash cam that the insurance had ran out and tax and mot the night before at 00:00 but when she left she now has to wait for a letter any ideas on what it could be she gets?

Our Response:
The police could give you a fixed penalty of £300 and 6 penalty points if you’re caught driving a vehicle you’re not insured to drive. Driving without tax will attract a fine of £80 to £1000. Driving without an MOT is also a fine of up to £1000.
NoPenaltyPoints - 14-Mar-17 @ 12:07 PM
Dave - Your Question:
Just brought a van that has no mot in need to get it to the garage but I'm not insured on it or got road tax is it for me to drive it there or do I need to get insurance ?

Our Response:
Yes you will need insurance before you can take it for an MOT.
NoPenaltyPoints - 13-Mar-17 @ 11:54 AM
My other half got pulled up from the policebecause it had came up on there dash cam that the insurance had ran out and tax and mot the night before at 00:00 but when sheleft shenow has to wait for a letter any ideas on what it could be she gets?
Shelby - 12-Mar-17 @ 10:51 AM
Just brought a van that has no mot in need to get it to the garage but I'm not insured on it or got road tax is it for me to drive it there or do I need to get insurance ?
Dave - 10-Mar-17 @ 12:20 PM
What is the penalty for driving whilst sorn? I work less than half a mile away from home and only need a car for that purpose. Could I qualify for limited use?
Markus - 2-Mar-17 @ 12:18 PM
Harry - Your Question:
Hi, this Saturday I had my car taken off me on the roadside for having no tax, I honestly didn't realise and said I'd pay it there and then, but they said no and took my car anyway, I didn't receive any letter saying my tax was up and no one told me my payment didn't go through, is this legal?

Our Response:
DVLA do usually send a reminder aruond 14 days before the due date. You can always check online to see when your tax is due (and then put a note in your calendar/diary etc) Here. You can also set up a direct debt so that the payments are taken automatically here .
NoPenaltyPoints - 22-Feb-17 @ 12:15 PM
Hi, this Saturday I had my car taken off me on the roadside for having no tax, I honestly didn't realise and said I'd pay it there and then, but they said no and took my car anyway, I didn't receive any letter saying my tax was up and no one told me my payment didn't go through, is this legal?
Harry - 19-Feb-17 @ 7:47 PM
Hi, I have recieved a court letter for failing to provide driver details, which i did on the time and presuming they havent recieved my response, what i am expected to have on the court hearing, and how do i defend myself in this case?? thanks
khan - 16-Feb-17 @ 11:21 PM
Mick - Your Question:
I recently got banned for drink driving for 18 months. I would like to sell the car but the MOT has run out. Is it possible for somebody else to MOT my car or will it be best to sell without MOT? Please advise further.

Our Response:
If someone else can get insurance to drive it to an MOT centre, you'll certainly get more for it if you sell it with a valid MOT.
NoPenaltyPoints - 13-Feb-17 @ 2:29 PM
I recently got banned for drink driving for 18 months. I would like to sell the car but the MOT has run out. Is it possible for somebody else to MOT my car or will it be best to sell without MOT? Please advise further.
Mick - 12-Feb-17 @ 12:35 PM
A friend of mine got pulled over for using a mobile while driving. He's received the procedure notice and in the plea box it says the offence he's being charged with is driving without third party insurance!!! Obviously this is incorrect so is pleading not guilty. Should he send this form off as a nonguilty plea or contact them and make them aware of this error
Poosticks - 5-Feb-17 @ 12:43 AM
Hi, how can I chase a fine for driving without Insurance. I was asked to pay of the fine which I dI'd. Then I was told that am not eligible for pay off because I've only got 9 points and I need to wait for the police to write to me. Has there been any similar case like this? Also is there a way that I can share it up? Many thanks
AA - 1-Feb-17 @ 6:40 PM
The above information is total crap only a court can fine you on conviction. If your car is uninsured you can only gets points if driving it, you never drove the car then no points and motoring offences are certainly not criminal, Although some are ie drink driving, death by dangerous driving, dangerous driving, drug driving and maybe more. So no tax or mot does nothing to your driving record but the insurance part does.
Tommy - 24-Jan-17 @ 5:25 PM
I got a letter from. The police saying I have no MOT and have been fined £100. MOT Has been booked for tomorrow.. I didn't realise this and now been told this invalidates my insurance.. It ran out the 29 of Nov 2016 got accused of hitting a parked car Dec 7 does this mean I'm no longer insured? A few days out just my luck... What does this mean for insurance I'm worriedsick I'm absolutely sure I didn't hit a car I'd know :/ but if I'm found guilty of doing it then what happeneds
Msnut - 16-Jan-17 @ 8:57 PM
Hi I'm disabled woman who has carers from care agency. I need them to drive my wheelchair accessible vehicle which is tax exempt. I understand it varies between insurance if comprehensive cover on other vehicles is included by most drivers aged over 25 are covered to drive other vehicles third party. I was once told that with disability tax emptiness this automatically increases cover to comprehensive insurance for third party drivers of my vehicle is this correct?
Mel - 3-Jan-17 @ 7:28 PM
Ted - Your Question:
Hi both a car Thursday and I drive without insurance I didn't have the chance to transfer the car to the my excisting insurance because the phone line was busy for hours nobody did stop me when I drive the car is it chanse to take ke a penalty if the camera take picture

Our Response:
If you were caught on camera or ANPR you will still be fined/penalised for having no insurance.
NoPenaltyPoints - 20-Dec-16 @ 11:18 AM
Hi both a car Thursday and i drive without insurance I didn't have the chance to transfer the car to the my excisting insurance because the phone line was busy for hours nobody did stop me when i drive the car is it chanse to take ke a penalty if the camera take picture
Ted - 19-Dec-16 @ 12:30 PM
Kit - Your Question:
I recently got charged for drink driving with the alchol course offerd it will be 2 years and 2 months before I recive ot back.I have 11 months mot on my car my friends dad is getting isnured and being my shofer to get me to and from work.I am the legal owner and hold the v5I have re taxed the veichle without a licence as im the owner but not the driver Please explain that this is all abouve board.Im just not alowed to drive untill the ban ends.Kind regards Chris

Our Response:
You need to check the insurance is valid for your friend's father to drive the vehicle. When you tax your car, the insurance and MOT information is checked automatically (these are both registered on a central database). As long as you do not drive the vehicle and the insurance is valid for the other driver, it should all be fine.
NoPenaltyPoints - 15-Dec-16 @ 12:54 PM
Was involved in minor bump where I went into back of a car,dicovered I had no mot. Have said I would get slight damagerepaired guy wants whole bumper resprayed . How do I stand and can I insist he goes to a repair shop I know or can he go to his own .how do I stand points and fine ways
Tiger - 14-Dec-16 @ 10:15 PM
I recently got charged for drink driving with the alchol course offerd it will be 2 years and 2 months before i recive ot back. I have 11 months mot on my car my friends dad is getting isnured and being my shofer to get me to and from work. I am the legal owner and hold the v5 I have re taxed the veichle without a licence as im the owner but not the driver Please explain that this is all abouve board. Im just not alowed to drive untill the ban ends. Kind regards Chris
Kit - 14-Dec-16 @ 4:57 PM
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