What happens if I don't have car insurance?

Anyone who breaks the Continuous Insurance Enforcement (CIE) rules can receive a £100 fixed penalty notice, have their car clamped or even face court prosecution with fines of up to £1,000.

So even if you have a vehicle that you only use from time to time, you need to get it insured or declare it as off the road with a SORN notification from the DVLA to avoid breaking the law and facing a penalty.

If you have an accident while driving without insurance, you will also have to cover all the related costs yourself - including repairs to any cars or property damaged in the crash and any medical bills. This could run into tens of thousands of pounds.