Your Questions About Car Insurance Direct Gov


William asks…

When learning to drive, does the passenger have to be insured on the car?

I am learning to drive at the moment (in England) and am on my dad’s insurance. On the driving section on direct gov it states that you must be accompanied by someone over 21, who has held a full license for 3 years. So, could I drive accompanied by someone who meets that criteria, but who is not insured on the car? Or am i limited to driving just with my dad who is insured on the car?

MyDigiResults answers:

Some very poor answers.
Your co driver, as you rightly say, has to be over 21 & has held a full licence in the relevant category for 3 years or more. They DON’T in any way have to be insured to drive the car.
Of course if they aren’t insured, they can’t DRIVE your car under any circumstances.

Robert asks…

Can you ride a motorcycle on the road with a provisional motorbike license?

Hi, I’m interested in getting a motorbike, as car insurance is way too high. I’ve got a full UK car driving license, and im wondering if I can get a prov. motorbike license and then drive a motorbike up to 125cc (without going on motorways, displaying L plates or carrying a pillion passenger). Any info on the whole process would be great, as the direct.gov.uk website isn’t too detailed on the whole process.

MyDigiResults answers:

Yes but u will have to use L plates and not be able to go on the motorway etc but how old are u if you’r older than 21 u can get a bike license and ride any cc bike u want if you’r not u have to ride a 125 for 2 years first

Joseph asks…

What documents do I need to tax my car?

The Post Office says I need my log book, but looking around on the internet (direct.gov.uk etc), nowhere mentions the log book.

Problem being that my registration document (is this the same as a log book) is in my old address. My insurance is in my new address. Will this be a problem?

Okay, that was more than one question … but hopefully it makes sense!
Thanks for the answers so far.

Anyone see any problems in the registratio document not being in my current address? Or matching the insurance documents? (for this reason I do not have the reminder).
Well I eventually called the DVLA, and they said tha t I need to take my “log book/registration document” with the new keeper details filled in, along with my MOT and insurance documents (and of course, payment!).

The PO will then give me the car tax, and at the same time send off the log book for updating to my new address.

So question answered, thanks! Will pick the best answer when I can (after 4 hours apparently).

MyDigiResults answers:

You have to have your log book, unless you have a renewal form from the DVLA, if you have that then you just need a current MOT and insurance certificate. – If you dont have the renewal form from the DVLA you have to produce the log book

Ken asks…

new car questions??? uk only please?

when you buy a new car, does the dealership provide the new numberplates? or do you have to do this yourself? also, when you do buy a new car, what must you do by law as far as dvla are concerned? ive tried to search this online on direct.gov and its useless! also, if you already have insurance is it easy to transfer it to your new car and how long does it take? and finally, if a dealership insists that you take out this ’3 day free cover’ from their own dealership even though you have your own insurance, do you go with it or is this just them trying to get you onto their own insurance? thanks a million x

MyDigiResults answers:

Dealer registers the car thus generating the reg number and they sort the plates
You need do nothing for the DVLA the dealer registering it sorts it all out.
Insurance transfer – instant on the phone if your insurer/broker is open but the documents can take a few days in the post so arrange it to happen at a suitable time a few days in advance of the time and day you pick the car up – insurers do this all the time, nothing out of the ordinary.
They cannot make you do the 3 day cover but it is useful as they can use it to register and tax the car rather than waiting for your documents which might be delayed. All you have to do then is just say “no thank you I am already insured” when the insurer they use tries to get you on board

Steven asks…

Are students from the EU considered as residents in the UK?

Regarding motoring offences:
I am a student in the UK and I come from another EU country. I was driving a car registered in my home country and with an insurance policy from that country. But my driving licence was full UK. I got pulled over by the police and they stated that since I have UK driving licence my insurance must be UK as well. Here is what I found from direct.gov.uk: Where the keeper of the vehicle becomes resident in this country, the vehicle must be immediately registered and licensed here. UK residents are not entitled to use a foreign registered vehicle on UK roads. …if you’re in the UK for 183 days or more in a tax year, you’re resident for that year… I wonder if this applies for students as well.
Thanks for your answers

MyDigiResults answers:

Yes it applies for everyone. Students too. Sorry. In terms of drivers license.

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