The law in the UK
In the UK, it is a legal requirement for a driver of a motor vehicle to have an insurance policy. Your insurance documents are evidence that you are covered to drive and should be carried with you at all times whilst driving.
Driving without insurance in the UK is a criminal offence and carries a maximum fine of £5,000 plus an endorsement of six to eight points on the driver's licence. In some cases, it can even result in disqualification from driving.
What affects car insurance in the UK?
Car insurance companies in the UK use all kinds of factors to determine the cost of your premium. It is worthwhile knowing about these, as they may help you reduce your car insurance premium in the future.
One of the best ways to keep your car insurance premium down is to build up your no claims bonus. You can also reduce your insurance premium by making sure your car is not in one of the higher classifications of cars to insure. Car insurers use these sliding scales to determine which are the cheapest cars in the UK to insure. You should be aware that where you live hugely affects your car insurance, as car insurers use your postcode to determine how likely your car is to get stolen or vandalised.
For more information what affects car insurance in the UK check out our article 'Understanding car insurance quotes'.
You're already on the road to cheaper insurance
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