If the person behind the wheel isn’t properly insured, both of you could face:
- A £300 fixed penalty and 6 penalty points
- Vehicle seizure and possible destruction
- Increased insurance premiums or being refused future cover
- Prosecution if the case goes to court
The law applies even if they only drive for a short distance or in an emergency – insurance is legally required at all times.
If someone needs to drive your car, here’s what you can do:
- Add them as a named driver on your existing policy
- Take out a temporary car insurance policy for them
- Ask them to check if their own insurance includes DOC cover
It doesn’t matter. Even moving the car without insurance is illegal.
Yes. You can be held responsible for allowing an uninsured driver to use your car.
Not anymore. Many insurers no longer include it by default. Always check your documents.
It only covers damage to other vehicles or property, not your own car.
