is it possible to tax a car with out car insurance?

Cars are expensive and there’s always something to fork out for, whether it’s tax, insurance or fuel. But what exactly is the relationship between tax and insurance on your car? Can you have one without the other? Or do you need both road tax and car insurance.

What is car tax?

Car tax sometimes gets called road tax, but its proper name is Vehicle Excise Duty or VED. New rules were introduced at the beginning of April 2017 and now the amount of VED you’ll pay depends on how much CO2 your car emits and how much your car is worth. You can find all the details in our handy guide to car tax 2017

What is car insurance?

If you drive a car, then you need car insurance. The absolute legal minimum you can have is third party cover. This covers you for injury you cause to other people and damage you cause to their property; it won’t cover the cost of repairs to your vehicle. Check out all the levels of insurance available in our guide to the different types of car insurance.  

Can I tax my car without insurance?

If you want to drive a car on public roads, then it needs to be both insured and taxed. You don’t need to tax and insure your car if you’ve declared it off the road and made a SORN (Statutory Off Road Notification). To be able to make a SORN, you can’t keep your car on a public road; it must kept in a garage or on private land.

You can tax your car without having the insurance document to hand, but you still need to have car insurance (you just don’t need to prove it). Be aware, however, that if you’re in Northern Ireland, you’ll need a copy of your insurance certificate or a cover note if you pay for car tax at a post office.

What do I need to tax my car?

It’s easy to tax your car online or at a post office.

To pay for your VED online by direct debit or credit card, use a reference number that can be found on:

  • A recent reminder (V11) or ‘last-chance’ warning letter from the DVLA
  • Your vehicle log book (V5C), which has to be in your name
  • The green ‘new keeper’s details’ slip (V5C/2) from the V5C log book if you’ve just bought the car

To pay for your VED at a Post Office, you’ll need:

  • Your vehicle log book (V5C), which has to be in your name
  • The green ‘new keeper’s details’ slip (V5C/2) from the V5C log book if you’ve just bought the car
  • You may be asked for a valid MOT certificate, so take it just in case

How can I save money on my car insurance?

Owning a car can feel like your purse strings are constantly being stretched. That’s where we can help. We can point you in the right direction if you’re looking for ways to cut the cost of your car insurance. And if you’re looking for a great-value renewal quote, then our easy-to-use comparison service can help you find cheaper car insurance

Looking for a Quote?

Get a new car insurance quote in seconds and start saving

Get a quote