Are You Legally Authorized To Derive Your Vehicle?
Lisa Mills
May 03, 2011
It is against the law to drive a vehicle on public roads without any car insurance without license policy. The government is very particular about it and says that the insurance policy must cover the vehicle you're driving at the time and must apply to you, i.e. you must be the policyholder or be a named driver on a policy which covers the car. The consequences of being caught by the police include ending up in court, facing a fine and getting penalty points on your license.
It doesn´t matter that for how long you've been driving, you'll still be required to have a car insurance policy whether you've been driving for a few days or for 60 years. Those who are learner drivers also need cover, i.e. they will need to have a policy or be a named driver on a policy for the car in which they are learning to drive.
No matter what you use a vehicle for, you'll need a policy as well. Even if you only mean to drive it a mile or two to the local shops and back once a week, you'll still need insurance in place.
It may seem strange and provoking to new drivers as younger motorists generally pay more than the more experienced drivers for cover. But there are no excuses for this as you can´t say that you were misinformed.
The minimum legal level of car cover to drive a vehicle is 'third party only', which can be cheaper as it only pays out towards the cost of damage and injury to another driver following an accident. That is, if it was your fault, damage to your car will not be cover .This is normally adopted by people who have cheaper cars or of low price.
You can also agree things like an intentional excess on your car policy, which is an initial amount you agree to pay towards repairs before your insurance company starts to pay out. Typically, the higher voluntary excess you agree, the lower your policy might be.
Note that there are also other administrative requirements before you can drive the car. For instance, the vehicle must have a valid MOT certificate to prove it's roadworthy, and the car must also have a valid, in-date tax disc displayed in the windscreen. Let down of any of these rules also means penalties, so ensure you not only get a car policy but also check your documents are in order before taking to the wheel.
Author writes for auto insurance California and car insurance without license.
It doesn´t matter that for how long you've been driving, you'll still be required to have a car insurance policy whether you've been driving for a few days or for 60 years. Those who are learner drivers also need cover, i.e. they will need to have a policy or be a named driver on a policy for the car in which they are learning to drive.
No matter what you use a vehicle for, you'll need a policy as well. Even if you only mean to drive it a mile or two to the local shops and back once a week, you'll still need insurance in place.
It may seem strange and provoking to new drivers as younger motorists generally pay more than the more experienced drivers for cover. But there are no excuses for this as you can´t say that you were misinformed.
The minimum legal level of car cover to drive a vehicle is 'third party only', which can be cheaper as it only pays out towards the cost of damage and injury to another driver following an accident. That is, if it was your fault, damage to your car will not be cover .This is normally adopted by people who have cheaper cars or of low price.
You can also agree things like an intentional excess on your car policy, which is an initial amount you agree to pay towards repairs before your insurance company starts to pay out. Typically, the higher voluntary excess you agree, the lower your policy might be.
Note that there are also other administrative requirements before you can drive the car. For instance, the vehicle must have a valid MOT certificate to prove it's roadworthy, and the car must also have a valid, in-date tax disc displayed in the windscreen. Let down of any of these rules also means penalties, so ensure you not only get a car policy but also check your documents are in order before taking to the wheel.
Author writes for auto insurance California and car insurance without license.
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