A Car Owner’s Checklist: A Guide to MOT’s, Car Insurance and Car Tax

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What gets checked in an MOT? Why do I need one and how much does an MOT cost? Get the answers to your questions about the MOT test in our guide.

    • Before you get behind the wheel there are certain legal requirements you need to have completed such as insuring your car and paying car tax
    • If your car is over three years old, it is a legal requirement to complete an MOT every year
    • Your car insurance could also be invalid without an up to date MOT

An MOT not only gives peace of mind, but is also required by law if your car is over three years old

Car Insurance

What is it?

All drivers are required, by law, to insure their cars. Car insurance provides financial protection in the event of an incident which causes damage or injury to any other person, vehicle, property or animal. 

You could be fined £300 and given 6 penalty points if you are stopped by the police for driving an uninsured car. 

How much does it cost?

Car insurance varies from person to person and depends on the type of car you are trying to insure. All cars in the UK are grouped into numbered categories from 1 to 50, 50 being the most expensive category of cars to insure. 
The model of your car will be taken into consideration when your insurer calculates your premium, so it’s worth checking this before making a new purchase.

You can find more about insuring your car at LV= here. 

Car Tax

What is it? 

In the UK, all vehicles are subject to pay Vehicle Excise Duty (VED), which is also known as car tax. This tax helps to cover the cost of road improvements across the UK and any safety measures required. 

How much does it cost?

The amount of tax you need to pay will vary depending on the model of your car, its emissions and when it was first registered in the UK. The key dates to bear in mind for car tax are 1st April 2017 and 1st April 2021, this is because vehicles registered before and after these dates are subject to different car tax rules. 

If you’re purchasing a new vehicle, you will need to pay car tax based on the new system that came into place from April 2021 onwards. It’s also worth noting that if you drive an Electric Vehicle, you are exempt from paying car tax as your car has zero emissions. 

How do you pay?

There are a number of different ways to pay for your car tax, including the Post Office, DVLA or through the official website. You can choose whether to pay tax for either six or 12 months, and should receive a reminder when your tax is about to expire.


What is it?

Think of a MOT as an annual health check for your car, an MOT tests important parts of your vehicle to make sure they are in line current legal standards.

If your car is over three years old, it's a legal requirement to have it checked once a year by an approved MOT test centre. The test was originally introduced by the Ministry of Transport, which is why it's called an MOT… standing for Ministry of Transport test.

Why do you need an MOT?

It is the law to have a valid MOT as it proves that important parts of your vehicle reach certain standards. If you don't have a valid certificate, you could receive a maximum fine of up to £1,000. Your insurance could also be invalid without one, if you don’t have a MOT your car insurance may not cover you in an accident.

This means you'll need to cover the cost for any repairs to your car as well as covering the costs of any other drivers involved if you are at fault. And, if your insurance is invalid, you could also receive a fine and points on your license.

How much does it cost?

There is a different set price for an MOT on a motorbike, a car, and a van. The maximum fee for a car is currently £54.85.

However, shop around, as many garages will offer an MOT test for much less than this.

So, why not take this opportunity to check that your MOT is up to date and make sure you’re not on the receiving end of any costly fines. And, whilst you’re at it, it’s worth checking that your LV= car insurance is up to date, and you are getting the best deal on insurance when looking to renew your policy with us.

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