First and foremost, the car must be registered. It is illegal to drive a car that has not been registered with the DVLA which makes it a prerequisite of car insurance also.
Secondly, it is obligatory on the policyholder to keep the insured car roadworthy. In the UK, this means producing an MOT certificate when applying for or renewing your insurance policy. MOT is required on a car that is over 3 years old.
Thirdly, road tax on any insured car must be up-to-date. Insurance companies will not issue insurance without proof of payment of the road tax.
The most basic legal requirement of any existing insurance policy is that the details given by the policyholder are correct.
By law, within the UK, it is a legal requirement for every car to have at least a ‘third-party’ insurance policy; it is illegal to drive without it. This ensures that the driver is insured against any injuries to other people, or damage to property.
If they change during the existence of the policy, the insurance company must be informed. Without this, the contract becomes null and void and any claim will not be upheld.
If traveling abroad, it is necessary in some countries to carry a ‘green card’. This is an internationally recognized document which states that your insurance covers at least the minimum requirements of the country which you are visiting. Within Europe, most countries have the same requirements as the UK, so the green card is not needed. However, do always carry your certificate of insurance and always check that you have the right insurance before you leave.
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