Registering a car in the UK
When registering a second hand car in the UK the previous owner will have a form called the V5, also known as a log book. On the V5 there is a section which needs to be filled out with the new owners details along with £20 and sent to the
DVLA, Driver and Vehicle Licensing Agency. A new V5 will then be sent to the new owners address and the car will be licensed as theirs.
If you buy a new car or used car from a dealer then the dealer will usually sort this out for you.
Insuring a car
Insuring a car in the UK is relatively simple. You can seek out quotes from the various companies available and usually go with whoever gives the best quote. Sometimes the cheapest isn't the best as they might sting you with a large excess or may not offer breakdown cover but more about this in a moment.
There are three main types of insurance available in the UK and these are; (some information taken from U-Switch insurance site)
Third Party - Third party insurance is the same as Third Party Fire & Theft (see below) but without cover for fire damage and/or if the car is stolen
Third Party Fire & Theft - Third party cover means that you are covered for any damage you may cause to another party in a claim e.g. the damage to a car you drive into. It also covers your vehicle against fire damage and if it is stolen.
If you have an accident that isn’t your fault, the other party’s insurance will pay for any damage to your car, including paying for a replacement if your car is deemed a write off, and for any medical expenses arising from any injuries you sustain in the accident.
If the accident is your fault, you will have to pay for any repairs to your own car yourself, as your insurance won’t cover it.
Fully Comprehensive - Fully comprehensive insurance is usually the most expensive type of car insurance you can get in the UK. It provides full cover for almost all types of damage, but some policies have exclusions so always read the small print.
Fully comprehensive insurance covers you for driving your own car, or a car that you’ve hired in your name, for:
* damage caused to your own vehicle in an accident, regardless of liability
* damage caused to third party vehicle(s) in an accident even if you were at fault
* damage to property caused by you whilst driving your car
* third party injuries including any passengers in your car at the time of an accident
* accidental damage, e.g. if a particularly heavy shopping trolley puts a big dent in your door
* fire and theft
* vandalism
* windscreen damage – a claim for windscreen damage doesn’t affect your no claims bonus. It usually has an excess of around £50 although small chips or cracks may be repaired free of charge
Alot of insurers also offer add-ons such as lower excess charges (the money you pay should you crash/have the car stolen etc) or European breakdown cover but this varies alot and is generally only comes as standard on some Fully Comprehensive policy's.
Licensing
Im not sure what you mean by this but for a car to be driven on the road it needs to have Tax and and MOT. Along with the driver having a valid driving license which is obtained by completing a driving license course and having an insurance policy on the said car.
TAX is obtainable from post offices and you have to show a valid MOT document which the garage who performed the MOT inspection will have provided and if i remember correctly you also need to show a cover note from your insurance company. Tax also called VED, Vehicle Excise Duty is the tax issued by the DVLA for the use of cars on public roads.
I hope this helps and answers your question. I will add some links and more details over the next couple of days to make this a little more comprehensive.
If i have missed out anything or posted wrong information then please let me know and i will change the details.
Spec....
