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. You should contact DVLA in the first instance
Information from the Gov.Uk website.
You can report an untaxed vehicle that you've seen on a public road anonymously to DVLA. Your report will be investigated.
Tax discs are no longer needed - the vehicle tax could be up to date even if it doesn't have a tax disc.
Follow these steps to report a vehicle as untaxed:
1. Check if a vehicle is taxed before you report it- this is a free service. You don't have to report the vehicle to DVLA if it's taxed but not showing the tax disc. Only report a vehicle that's either untaxed or registered as SORN and parked on a public road.
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.
3. You can report the vehicle online if it's untaxed and you have all the details needed to report it.
There are a number of actions that DVLA can take on untaxed vehicles. Not all vehicles are wheel clamped.