If you drive a car in the UK, you need to make sure it is insured – simple as that. You’ll be breaking the law if you don’t have the proper insurance, so if you are thinking about getting your first car after passing your test, make sure you are insured right from the start. Don’t assume you’ll be fine for a few days while you sort everything out. It is essential to get the proper insurance before you get behind the wheel for the first time.
If you are just starting to look for your first car, it is a good idea to start looking for insurance at the same time. New drivers will typically pay the highest fees to insure their cars, and this usually makes it unaffordable to insure certain cars at all. This means if you are searching for your ideal first car to drive, you should look for it in tandem with searching for insurance policies. The last thing you want to do is to buy a car and then discover you cannot afford to insure it.
Indeed, even if you own a car that you aren’t currently driving, you will still need to get it insured unless you have what is called a Statutory Off Road Notification. This is known as a SORN, and the idea is that it covers vehicles that are kept in a garage or other location off road, and thus do not need to be insured. You must make the notification though – if you keep your vehicle off road and you don’t notify the authorities, you could receive a fine. Thus you should always make sure you go through the proper process. If you decide to get the car out and start driving again, it is time to get insurance.
Another example of a time when you need to think about insurance is if you already own a car and you are looking to do a lot of work on it. If you are going to radically change how the car looks you will be changing its value too. This could in turn have a knock on effect on your car insurance UK policy, so if you want to style your car you should look into the insurance possibilities prior to doing so.
As you can see it is always wise to consider all the angles when looking for the right insurance policy for your own vehicle.