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Keep Your Car Legal
So
you've
finished your driving lessons, passed your driving test (congratualtions!), about to buy
your first car and now you've got
to think about road tax, MOT and car insurance. These are are all
legal 'must-haves' and of course keeping everything legal on your car is very
important if you don't want the Police taking your car away. As a new
driver you will have to keep up-to-date with these all the time.
Road Tax
The UK road fund license or road tax as
it is most commonly known as must be displayed on your front windscreen at all times
that your car is kept on the road. A reminder is sent to
you when your road tax is due to expire. Then a trip to the
Post Office is needed together with your MOT certificate, vehicle
registeration documents and insurance
certificate.
The road tax disc is available for 6 months or 12 months. If you
can, go for 12 months as you can save a little bit of money. The
cost of road tax depends on the engine size of your car, the bigger
the engine then the more pollution it probably makes and therefore
you must pay a bit more for your road tax.
M.O.T
Everyone who uses the roads
must ensure that their car is in a roadworthy condition and that
it also meets certain environmental requirements. To make sure
that it is you have to present your car for inspection at a MOT
garage every year.
When your car is tested, the MOT looks at some
important items to see if it meets the legal requirements. Your car
will be tested on the following:
 Vehicle Identification Number Seats Registration Plate Fuel System Lights Exhaust Emissions Steering and Suspension Exhaust System Wipers/Washers Vehicle Structure Windscreen Doors Horn Mirrors Seatbelts Wheels, Tyres,
Brakes
Some garages will give you a free MOT re-test if your car fails the first time. Once your car passes you will be given an MOT certificate. The MOT certificate is not a guarantee of the general mechanical condition of a vehicle however. Vehicles should receive their first MOT when they reach 3 years of age.
Car insurance Car insurance is something else that you legally must have. This is one expense though that is not fixed and is something you can reduce by comparing prices with different insurance companies. How much the car insurance will cost depends on many things such as (deep breath)... your age, male or female, where you live, what you do for a living, completed the Pass Plus course, any points on your license, any 'no claims' bonus, the type and model of your car, the engine size, will it be in a garage, on a driveway, security on the car, mileage, any modifications and how old the car is! If you don't make a claim on your insurance and as you get older, every year your car insurance premium should steadily go down resulting in a 'no-claims' bonus.
Third Party. This is the legal
minimum and the cheapest policy. The third party is anyone you might
injure or whose property you damage.
Try not to pay for your car insurance monthly as it means that you will have to pay a nice amount of interest on top of whatever the quote is. And the best bit and something you will have to do is compare lots of different insurance companies, haggle, and get as many different quotes as you can untill you get the price down to a semi-reasonable level! Below are some insurance companies where you'll be be able to start getting some quotes.
If you can't be bothered to search for the best price why not let a handy web site like this one do all the work (search for second hand cars too) Kelkoo. Knowing where you're going before travelling is essential, especially if you want to avoid arguements with your travelling companions! The AA provide a good free route planner web site. Or get yourself a satellite navigation gadget (cheapest prices we found are here) but be careful as recently they have been causing accidents where the driver has been paying too much attention to it and not the road!
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For more information on the Road Tax please visit
the 
There are
different types of car insurance:
You can save more
money on your insurance by taking part in the.jpg)
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