Car tax: Can you tax a car without insurance?

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By law, it is an offence to drive a car on a public road in the UK without tax and insurance. Tax discs were abolished in October 2014 as the DVLA moved to an online system.

However, checking and paying for car tax online is very straight forward.

How to tax your car online

Drivers can pay their car tax online by heading to

You’ll need either a reference number which can be found in:

  • a recent reminder (V11) or ‘last chance’ warning letter from the DVLA
  • your vehicle log book (V5C), which must be in your name
  • the green ‘new keeper’ slip from a log book if you’ve just bought the car

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Payments can be made using credit or debit card, or you can set up a direct debit.

Can you tax a car without insurance?

No. You must have an insurance policy in place in order to tax a car.

This is because of a law called Continuous Insurance Enforcement (CIE).

CIE requires motorists to have their vehicles insured at all times, with at least third-party cover.

However, when taxing your car online, you won’t need your insurance document to hand.

The DVLA’s Motor Insurance Database system will automatically check this.

ALSO SEE: Will car prices drop after lockdown?

Can I stop paying car tax or insurance?

The only way you can stop paying tax or insurance is by declaring the car off the road and make a SORN (Statutory Off Road Notification).

This means you cannot drive or park the car on a public road.

The vehicle must be kept in a garage or on private land.

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