Motorists across the UK are being urged to keep one vital document in their vehicles at all times – or face potential fines of up to £2,500. Experts warn that failing to carry this essential paperwork could land drivers in serious legal trouble.
The Must-Have Document Every Driver Needs
According to motoring specialists, all drivers should keep their Certificate of Motor Insurance in their vehicle whenever they're on the road. This document proves you have valid insurance coverage, which is a legal requirement for driving in the UK.
Why It's So Important
Police officers can request to see your insurance certificate during routine stops or after accidents. If you can't produce it:
- You could receive an on-the-spot fine of £300
- Your case may be taken to court with fines up to £2,500
- You might receive 6-8 penalty points on your licence
- Your vehicle could be seized
Digital vs Physical Copies
While many insurers now provide digital versions of insurance documents, experts recommend keeping a physical copy in your vehicle as backup. Technology can fail when you need it most – phones run out of battery or lose signal.
Other Essential Documents
In addition to your insurance certificate, drivers should also carry:
- Driving licence (both card and paper counterpart if you have an older licence)
- V5C registration document (log book)
- MOT certificate if your vehicle is over 3 years old
Remember, being prepared with the right documents can save you from unnecessary stress and financial penalties. Make checking your car documents part of your regular vehicle maintenance routine.
