Certificate of Motor Insurance

According to the law, for driving the motor vehicle and to retain it on a public highway, it is necessary to have a legal certificate of motor insurance. This insurance needs to be a Fully Comprehensive Cover or a Third Party Liability Insurance. Majority of the people take care to have their annual Motor Insurance Certificate. The Third Party Policy is for third party liability to cover incidents like fire, theft and accident to the vehicle of the policyholder. Fully Comprehensive Cover offers compensation for damage to vehicle of the policyholder from accidents, whichever party is guilty of causing the accident.

It is possible to drive vehicles other than your own using these two policies, though it might not be on completely Comprehensive basis. But such policies are slowly being pulled out by insurance industry. In case, your policy is one which gives you no leeway to drive more vehicles or it gives coverage for only driving vehicles on third party basis, get Short Term Motor Insurance. This enables you to meet the terms with the law.

It is breaking law to drive around without either of these insurances, Short Term Motor or Annual car insurance Policy. You will receive 6-8 points on driving license and fine amount for maximum £5,000. If your penalty points are less than 12 your driving ban is optional, but in cases where penalty points amount to 12 or above then this ban is compulsory. For getting around the driving ban, you can use exceptional hardship, but this argument works once only for a three year period. Nonetheless, even if your defence is successful, total number of your penalty points will not change, resulting in automatic ban in future for any more transgressions. Take extreme care to drive safely and ascertain that you hold Short Term or Annual Motor Insurance Policy to avoid getting into trouble.

Our website gives you information on these areas as well as short term insurance for cars.

Onedaycarinsure.co.uk is not authorized to advice on any financial products we are just providing you information, for advice please contact FSA register agents.