How missing two vital car documents could cost you £2,500 and a driving ban – don’t get caught out

DRIVERS have been warned that missing two vital car documents could cost them a £2,500 fine and a driving ban.

Data taken from police forces around the UK revealed that 57,708 motorists were caught driving without insurance or a valid MOT in 2022.

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Handily, car experts at have explained why it's essential to keep a vehicle's MOT up to date.

Toby Kernon, CEO of Wagonex, told the : "The least fun part of owning or financing a car is the admin that comes with it.

"From remembering when your insurance is due to go through the rigamarole of finding an MOT centre that can fit you in when you need them to, to the worry of whether your car will even pass its MOT.

"So many of us are time-poor, but driving with an invalid MOT or insurance can put you at risk of hefty car admin fines, points on your licence, or even disqualification from driving."

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In the UK, an MOT test is required for every road-going vehicle between the ages of three and forty.

If a police officer sees a vehicle driving or parked on a public road without a valid MOT, its owner could be fined up to £1,000.

But, if cops consider that the vehicle is dangerous to other road users, the motorist can be slapped with a fine of up to £2,500, a driving ban and three penalty points.

The car experts have also urged drivers to ensure their annual insurance policy is up to date if the vehicle is in use or parked in a public space.

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If a police officer caught a motorist driving without valid insurance, they could be fined £300 and six penalty points.

In some cases, cops may also seize and even destroy the uninsured vehicle.

Wagonex revealed that the most common place for road-going cars to be spotted without MOT or insurance is Lancashire, with Suffolk coming in second and North Yorkshire in third place.

This comes after a homeowner revealed that their neighbour "stormed off" after they refused to move their car so that he could change his plug-in hybrid motor.

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