If the car is UK registered the following applies.
The Road Safety Act (2006) introduced a new offence of being the 'keeper of an uninsured vehicle' - unless that vehicle is subject to a Statutory Off Road Notification (SORN) or is in the process of being transferred to a new keeper by DVLA.
Now that all the necessary regulations are in place a new law, 'Continuous Insurance Enforcement'(CIE) comes into force this spring (2011). At this time, CIE is not being introduced in Northern Ireland.
Driver and Vehicle records held by the DVLA will be compared with the Motor Insurance Database (MID).
Registered keepers of vehicles suspected of having no insurance or SORN will receive an official reminder - an 'Insurance Advisory Letter'.
If the letter is ignored and the keeper takes no action they face the prospect of;
* A £100 fixed penalty (reduced to £50 if paid within 21 days)
* A fine of up to £1000 if the case goes to court
* The vehicle being clamped, seized or destroyed