Information provided by Gov.Uk
You must have motor insurance to drive your vehicle on UK roads.
Third party insurance is the legal minimum. This means you're covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. It doesn't cover any other costs like repair to your own vehicle.
It's illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance.
Even if the vehicle itself is insured, if you're not correctly insured to drive it you could get penalised.
The police could give you a fixed penalty of £300 and 6 penalty points if you're caught driving a vehicle you're not insured to drive.
If the case goes to court you could get:
The police also have the power to seize, and in some cases, destroy the vehicle that's being driven uninsured.
More information can be found on the Vehicle insurance advice from GOV.UK
If you believe a driver is driving their vehicle or another's without valid insurance, please call our 101 non-emergency number to report this. If you can provide us with a name, address and vehicle registration of the car/s they are driving, this will assist us with investigations.
It is no longer a legal requirement to display a tax disc. If you believe a vehicle is untaxed you can report this direct to DVLA who are the enforcement organisation who will deal with untaxed vehicles. From September 24, Wiltshire police officers have been able to seize untaxed vehicles from the county's roads as a result of taking 'Devolved Powers' from the Driver and Vehicle Licensing Agency (DVLA).
Information from the Gov.Uk website.
You can report an untaxed vehicle that you've seen on a public road anonymously to DVLA or directly to Wiltshire Police by calling 101. Your report will be investigated.
Paper tax discs have not been issued since 1 October 2014 so it is necessary to check online if a vehicle is Taxed or has a Statutory Off Road Notification (SORN).
Follow these steps to report a vehicle as untaxed:
2. You need to include the vehicle registration number, make, model and colour of the vehicle and the street name, town and postcode where the vehicle is parked. You won't be able to report the vehicle without these details.
There are a number of actions that DVLA and Wiltshire Police can take on untaxed vehicles. Not all vehicles are wheel clamped and police officers have the power to seize a vehicle.