Owning a car in the UK comes with a short list of obligations. None of it is complicated, but all of it has a habit of lapsing quietly at the worst possible moment. Here's what to keep current and how to keep track — most of it is now handled online through GOV.UK.

MOT

Cars over three years old need a valid MOT every year. It's the test that confirms your car meets the minimum safety and roadworthiness standards. You can check your car's MOT status and expiry date for free on GOV.UK, and even sign up for free reminders before it's due.

Road tax (Vehicle Excise Duty)

Road tax is managed by the DVLA and, for most people, is easiest to pay by monthly or annual Direct Debit so it renews automatically. Crucially, tax no longer transfers with a car when you sell it — the buyer must tax it afresh, and the seller gets a refund of any full remaining months. Driving an untaxed car is picked up automatically by ANPR cameras.

The V5C (logbook)

The V5C registration certificate — the logbook — records the registered keeper of the vehicle. It isn't proof of ownership, but you need it to sell, tax or change details on the car. Keep it safe at home, and always update the DVLA promptly when you buy or sell. Doing it online is faster than the post.

  • Buying: make sure the seller gives you the green 'new keeper' slip, and check the V5C details match the car
  • Selling: tell the DVLA you've sold it the same day to stop being liable for the car
  • Moving house: update your address on the V5C and driving licence

Insurance

At minimum, third-party insurance is legally required to drive or even keep a car on a public road. Note your renewal date — a lapse doesn't just risk a fine and points, it leaves you fully exposed financially in an accident. If you're taking a car off the road, declare it SORN to the DVLA rather than letting tax and insurance simply lapse.

  • Third-party: the legal minimum, covers damage to others
  • Third-party, fire & theft: adds cover for your car being stolen or burnt out
  • Comprehensive: covers your car too, and is often no more expensive — always compare

Driving licence and service records

Keep your photocard licence current — it must be renewed every ten years, and the DVLA will write to remind you. Beyond the legal essentials, keep your service records organised too. They're not legally required, but a complete, stamped service history meaningfully increases resale value and helps any new garage understand your car's story.