You MUST have at least third-party insurance cover before driving on public roads. This type of insurance covers:
- Injury to another person.
- Damage to someone else’s property.
- Damage to other vehicles.
Driving without insurance is a criminal offense, punishable by an unlimited fine and potential disqualification.
You must present your insurance certificate when taxing your vehicle or if requested by a police officer. In some cases, you may receive a temporary cover note until you obtain your insurance certificate.
Before driving someone else’s vehicle, ensure that the vehicle is insured for your use.
The cost of insurance varies depending on numerous factors, but it is typically lower if you are over 25 years old or have completed the Pass Plus scheme (unavailable in Northern Ireland).
Your insurance policy might include an excess, such as £100. This implies that you will be responsible for paying the first £100 of any claim for damage to your vehicle.
The Pass Plus scheme is designed to assist newly qualified drivers in expanding their driving experience and enhancing their basic skills. Additionally, completing this scheme may lead to reduced insurance costs.