Driving & Vehicles questions

5 direct answers, each with the short version first and a link to the full guide. For the whole topic, see Driving & Vehicles.

• Can I drive if my MOT has expired?

  No — driving without a valid MOT is a criminal offence carrying a fine of up to £1,000, and it can invalidate your insurance. The one recognised exception is driving to a pre-booked MOT appointment. Your car must still be roadworthy, and a Dangerous defect means you must not drive at all.

• What happens if I get 12 points on my licence?

  The court must disqualify you for at least 6 months. Twelve or more points from offences committed within any rolling 3-year period triggers “totting up” under section 35 of the Road Traffic Offenders Act 1988. The only escape is an exceptional hardship plea — a high bar, argued at sentencing.

• What do I do if I get a speeding notice but I was not driving?

  Name the driver — you have no choice. As the registered keeper you are legally obliged to complete the Section 172 notice identifying whoever was at the wheel, even if that turns out to be you. Failing to provide driver information is a separate offence carrying a £200 fine and 6 penalty points.

• Do I have to tell the DVLA about a medical condition?

  Yes — the duty is yours, not your doctor’s. Section 92 of the Road Traffic Act 1988 requires you to notify the DVLA of any condition that could affect your driving. Not doing so is a criminal offence carrying a fine of up to £1,000, and it invalidates your insurance.

• Can I drive someone else's car on my own insurance?

  Only if your policy says so. Some comprehensive policies include “driving other cars” cover, but it is becoming less common and normally gives third party cover alone. Check your policy schedule before you drive — never assume. If that cover is not there, arrange temporary insurance for the specific vehicle.