You may be interested to know …
We have put together some useful info for you on the do’s and don’ts of driving – we hope you will find them useful.
You must have motor insurance before you can drive on public roads.
- If you’re caught driving a vehicle you’re not insured to drive, the police could give you a fixed penalty of £300 and 6 penalty points.
- If the case goes to court you could get a maximum fine of £5,000 and be disqualified from driving.
- The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.
Continuous insurance – (in England, Wales and Scotland) the rules for insuring vehicles are called ‘continuous insurance enforcement’. If you’re the registered keeper of a vehicle it must be insured at all times or declared as ‘off the road’ (SORN).
Penalties for no having continuous insurance mean you could:
- get a fixed penalty of £100
- have your vehicle wheel-clamped, impounded or destroyed
- face a court prosecution, with a possible maximum fine of £1,000.
MID (Motor Insurance Database) – a central database recording all vehicles that are insured. This is routinely used by the police, DVLA and other authorities.
ANPR (Automatic Number Plate Recognition) – the police can check on MID from their patrol cars to see if a vehicle is insured.
Types of insurance cover
There are different levels of insurance which include; fully comprehensive, third party fire and theft and third party. Third Party insurance is the legal minimum.
Third Party means that if you have an accident and cause damage or injury to any other person, vehicle, animal or property, you will be covered for their costs. It doesn’t cover any of your costs like repair to your own vehicle or any injury to you.
It very important that you always read the detail of your insurance policy and make absolutely sure that you are covered to the level you require.
DOC cover – some insurance companies provide cover to ‘Drive other Cars’ – known as ‘DOC’ cover. This means that your own insurance will cover you to drive other people’s vehicles with their permission.
Before driving anyone else’s car you must always:
- Make sure that you have the owners’ permission
- Check with the owner if you are covered on their insurance policy
- If not, check with your insurance company that your policy has ‘DOC’ cover
DOC cover is usually on a third party basis only.
Uninsured/untraced drivers – if you are in an accident caused by someone with no insurance or are involved in a ‘hit and run’ scenario your claim will be run under a different procedure involving the Motor Insurers’ Bureau (MIB). These cases are complex and we strongly advise you use a solicitor.
For more information:
2. Mobile Phones
Driving whilst using a hand-held mobile phone is against the law but you can use hands-free equipment as long as it is safe to do so.
Penalties could be:
- you can get an automatic fixed penalty notice.
- You can get 3 penalty points on your licence and a fine of £100.
- your case could also go to court and you could be disqualified and get a maximum fine of £1,000.
- Drivers of buses or goods vehicles could get a maximum fine of £2,500.
Follow the link for more information: www.gov.uk/using-mobile-phones-when-driving-the-law
3. Seat Belts
You can be fined up to £500 for not wearing one and you will automatically lose up to 25% of any compensation you may be entitled to if you are involved in an accident and are not wearing a seat belt.
Follow the link for exceptions to the above: www.gov.uk/seat-belts-law
4. Driving under the influence of alcohol or drugs
It is illegal to drive under the influence of alcohol or drugs and the Police have the power to stop anyone at any time without giving a reason.
You could be imprisoned, banned from driving and face a fine if you’re found guilty of drink-driving – www.gov.uk/drink-driving-penalties
If you’re convicted of drug driving you’ll get a minimum 1 year driving ban, a fine of up to £5,000 and a criminal record. Your driving licence will also show you’ve been convicted for drug driving. This will last for 11 years. Follow the link for more information: www.gov.uk/drug-driving-law