Just Kampers Insurance FAQs

Yes, firstly you should contact the repairer in question and tell them of the problems you are experiencing; they should make arrangements for your vehicle to go back to them for the work to be rectified. If you are still not happy you can contact Sterling Claims on 0344 381 9350.

This depends on a number of factors. You must make a claim through your own policy and have comprehensive cover. You would then receive a courtesy car providing you use the approved repairer, subject to availability and only for the duration of the repairs. If your vehicle is written off, a courtesy car would not be provided.

Should you need to make a claim please contact our claims handling service operated by Sterling Claims on 0344 381 9350. The lines are open 24 hours a day, 7 days a week. Their specialist team will guide you through the claims process from start to finish.

Correspondence should be forwarded to Sterling Claims:

Auxillis Limited
Redmond House
Fern Court
Bracken Hill Business Park
Peterlee
County Durham,
SR8 2RR

Your Insurer will arrange payment direct with an approved repairer or garage of your own choice. Costs are agreed before work is authorised and you would be expected to pay your policy excess directly to the garage once repairs are complete. If you are claiming using your legal cover you may be able to claim back your excess but should discuss this with your claims handler.

No, there are no costs at all as the Legal Expenses policy is free of charge. Please refer to your Legal Expenses policy wording for cover and exclusions.

Exchange full details with any other party involved ensuring you note their registration number and then contact our claims handling service operated by Sterling Claims on 0344 381 9350 They can be contacted 24 hours a day, 7 days a week.

If you have to make a claim from your policy then your excess is payable. You may be able to reclaim this, depending on the circumstances. Your claims handler will advise you how to proceed and whether you should be able to reclaim your excess.

Yes, however this is subject to you using your Insurance Company’s approved repairer and subject to availability for the duration of repairs only. In a non fault incident, you may wish to claim using your legal cover. You may then be able to use a hire car and claim back any costs for this from the third party’s insurer.

We are committed to providing a quality service and achieving the highest standards of conduct. One of the ways in which we can continue to improve our service is by listening to the views of our customers.

Email Us : 

[email protected]

Please visit our Terms of Business for how to make a complaint.

Just Kampers Insurance – Terms Of Business 

Please call us first so that we can provide you with an estimated cancellation refund. Some policies do not allow any refund upon cancellation. Normally it is more cost-effective to keep your policy running. If you wish to cancel your policy, your Insurer will only cancel the policy from the date we receive your instructions.

Most of our motor insurance schemes allow some foreign travel, often with restrictions on the duration and/or number of trips within the period of cover. The details of the conditions relating to your foreign travel cover can be found in your policy booklet, your Certificate of Insurance and your policy Schedule.

You don’t need a Green Card if you’re driving in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia and/or Switzerland.

In other countries, you may need a Green Card and additional insurance to show you’re covered.

When travelling abroad you should carry your driving licence, your Certificate of Motor Insurance for each vehicle, and a GB sticker on your vehicle. Some countries also require an international driving permit (IDP) – it’s important to check at https://www.gov.uk/driving-abroad/international-driving-permit before you travel.

If you’re travelling outside the EU/EEA, you may also need a Green Card (one per vehicle, including a separate one for a trailer or caravan) – check https://www.gov.uk/driving-abroad for details on the countries you’re visiting.

Yes, provided there is a UK handling agent for the third party’s insurer. If this is not the case your Legal Expenses cover won’t be able to assist you.

Yes, provided there is a UK handling agent for the third party’s insurer. If this is not the case your Legal Expenses cover won’t be able to assist you.

Contact us in good time before you intend to travel – preferably a few weeks before – with your dates of travel and a list of the countries you intend to drive in and through, and we will post you a Green Card for those dates and countries. There may be an administration fee for issuing a Green Card.

Yes, a Green Card is required to cover each vehicle insured under a policy, so you’ll need a Green Card for each individual vehicle included in a multi-vehicle policy that you intend to drive abroad.

As a general rule, the type of No Claims Bonus that you use on a policy must be the same as the type of vehicle that you are insuring. So, motorcycle NCB would not be acceptable on a private car policy, or commercial NCB would not be acceptable for a motorcycle policy.

The underwriters like to ensure that you have experience on the type of vehicle that you are insuring.

If you only have a type of NCB that is different to the type of vehicle you want to insure, please discuss this with us when getting your quotation. We may be able to find a suitable policy for your needs and driving experience.

We need to know what country your NCB was earned in as it can affect your quotation. The majority of underwriters will accept NCB only from the United Kingdom. We do have some schemes where we can accept NCB from other selected countries, so it is important that we are informed of the origins of your NCB before you accept the quotation. We can then make sure you have the right policy for your driving experience.

If the NCB is not from the United Kingdom but you have told us that it is, you would either have to pay an additional premium or your policy could be cancelled.

In the majority of cases, the NCB that you use to gain a discount on your policy with us must have been earned on a policy in your name. If the policy was in someone else’s name, but you were the named driver, you would not have earned your own NCB. You may qualify for an introductory discount instead, so please let us know if this is the case when you are getting your quotation.

Very occasionally NCB can be transferred to another person, however, you would need to discuss this with the quotations clerk who is dealing with your quotation prior to you accepting the policy. This is not common practice though and would only be available if the underwriters of the policy agree.

We advise discussing your NCB options in detail before accepting your quotation, so we can find the most appropriate policy for you depending on your driving experience.

If you have stated that you are using your No Claims Bonus then you will need to send us proof of this from your previous insurer immediately. The bonus proof needs to be in your own name, and the be either a renewal notice or NCB Certificate issued by your last insurer.

If you are unsure of how many years NCB you have, you need to speak to your most recent insurance company and ask for details. If you have more than one vehicle insured at a time, you can’t add the two lots of NCB together to make additional years – they remain as two separate lots of NCB.

Some insurers will take this into consideration and allow an enhanced introductory discount.

No claims bonus can only be used on one policy at a time, so ensure that your previous policy is either cancelled, or you have requested that the no claims bonus has been removed from the policy. In either case your Insurers should provide you with some proof as to your no claims entitlement, for example a renewal notice or a cancellation schedule. As long as they show your entitlement you can forward these onto us as your proof of no claims bonus.

 If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

You may have had a company car for the last few years and this is your first policy ‘on your own’. If this is the case, your no claims bonus would have been earned on the company car. We can allow a discount on some of our policies for this, but would just need to see proof from your company. This generally is provided in the form of a letter from the Insurers of the vehicle, or a letter from your Company stating the dates that you had the vehicle from and to, and that you had no claims during that time period.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

This stands for “No Claims Bonus”. You earn a year’s NCB for every full year of a policy in which no fault claims are made either by you or a third party. Some policies, such as classic car policies, are not based on NCB and so at the end of such a policy you would not have gained any NCB. Only the main policyholder earns NCB. NCB is also sometimes referred to as NCD – No Claims Discount – but means the same thing.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

If your NCB expired over 2 years before the start date of your policy, you generally cannot use it. Please ensure that you discuss this with us when getting your quotation, as an additional premium would need to be paid if your NCB cannot be used if your quotation was based on it being in date.

 There are some policies where NCB is not earned, but they will allow you to keep it up to date. If you are unsure about this, speak to the provider of the policy you had and ask. Of course, it is best to discuss your NCB options in detail before accepting your quotation, so we can find the most appropriate policy for you depending on your driving experience.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

You can contact your current insurer/broker or look for it in your renewal notice they may have sent you.

NCB can allow quite a large discount as it shows a good driving history. This must be proven to allow the discount. Unfortunately, insurance fraud is on the increase and we want to protect our clients from price rises caused by it by verifying documents such as NCB, driving licences and other important information.

No claims expire after 2 years normally, but some insurers can honour some that haven’t been used for longer

No, but we do offer to mirror your no claims bonus from a different vehicle to get you further discounts.

Agreed value forms are not essential to your policy. Without them, the policy will proceed on a ‘market value’ basis. Therefore it is beneficial for you to provide the forms, but the policy would not be cancelled if you do not send them.

If you have been asked for more than one of the following, we require both (or all) of the forms in order to proceed with the agreed value.

Photos – If we have asked for photos of the vehicle, they should be taken square on to the vehicle and make sure it is completely in shot. The Insurers need to be able to see the complete vehicle in order to agree the value you have requested. We also require shots of the engine bay and the interior. For some bigger vehicles, such as motorcaravans, it is better to take more than one picture of the interior. The photos also need to be of good quality with the vehicle clearly visible (for example, no disruption on the photo or no glare).

Agreed Value Form – This is to be completed by you, and needs to be fully completed in order for the Insurers to agree the value you have requested. In the top section, make sure that all of the sections are completed. If they are not relevant, please write ‘n/a’ in the space provided. In the middle section, you need to specify the condition of various parts of the vehicle, and also detail any modifications and restoration work that the vehicle has had.

Independent Valuation – This is to be provided by an independent source, such as an owners club. It should be on headed paper and state clearly who has provided the valuation and their qualifications. This valuation cannot be from a company that did work on your vehicle.

If you only have a type of NCB that is different to the type of vehicle you want to insure, please discuss this with us when getting your quotation. We may be able to find a suitable policy for your needs and driving experience.

We can send your documents via our online portal or via the post.

Unfortunately as the policyholder, the forms need to be signed by them as this is who the agreement with the Insurer and ourselves is being taken out by.

If the NCB is not from the United Kingdom but you have told us that it is, you would either have to pay an additional premium or your policy could be cancelled.

Ensure that you read the agreement thoroughly. The balance of your agreement will be taken from the last card used on your policy should you default on your payments. When paying by direct debits, the policy will be automatically renewed next year, and we will tell you the payment amount at least 2 weeks prior to your renewal.

The modified vehicle report form will only need both the engine number and chassis number if there are engine modifications. If this is not the case then you can supply just either the engine number or the chassis.

Please send copies of all drivers’ photocard licences along with a driving licence check code.

The Driver and Vehicle Licensing Agency (DVLA) allows licence holders to share their driving records by generating a check code at www.gov.uk/view-driving-licence. Alternatively, you can call 0300 083 0013.

Please send copies of both sides of the photocards. If any have been misplaced, you can send screenshots of the webpage at www.gov.uk/view-driving-licence: your details, vehicles you can drive and penalties and disqualifications. If the driving licence was issued prior to the introduction of the photocard in 1998, and it is still valid, please send this.

If you are concerned that you will not be able to send us your licence information in the time limit that we have set, please call our customer service department.

If you do send us a licence with the incorrect address on, your premium could be increased and we may also ask for additional documentation to certify your address. Your driving licence must show your current address by law. The DVLA will also fine you up to £1,000 if you have the incorrect address on your licence. To apply to change your licence online, click here. If your licence shows the wrong address please apply to correct it immediately, then send us copies of the updated licence when you receive it from the DVLA. The DVLA estimate on their website that it will take up to three weeks to send you the new licence.

Please see the guide to obtaining your DVLA check code.

Correspondence should be forwarded to :

Sterling Insurance Motor Claims

Sterling Claims
Auxillis Limited
Redmond House
Fern Court
Bracken Hill Business Park
Peterlee
County Durham,
SR8 2RR

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

The mileage given has to be as accurate as possible so that we can keep a record of the mileage used within an insurance year. If you cannot provide an accurate reading for this then you may be asked to produce copies of your MOT certificates.

If we have sent you a mileage declaration, your policy has been arranged on a limited mileage basis. You need to provide the mileage of the vehicle from the beginning of the policy, and will be asked to provide the closing mileage when the policy renews. Should you change your vehicle during the policy, we would require the closing mileage on your original vehicle, and the starting mileage on the new vehicle. We would then calculate the mileage for both vehicles when the policy renews.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

The modified vehicle report form should be completed with all modifications to your vehicle. Ensure that you do tell us ALL modifications, as any non-disclosures could mean that a claim does not get dealt with, or extra premium is added to your policy or only a proportion of claim made is paid. In extreme cases the Insurers could null and void your policy. Ensure that you complete the engine and chassis number, as your Insurers require these. Please also ensure that you sign and date the form on the second page.

If we have asked you for this, a discount would have been allowed on your policy because you are a member of an owners club. If you have a membership card, please provide a copy of this. If you don’t have a card, you can provide the name of the club, the membership number and the expiry date. If you are a member of an online club, we would preferably need an email from the administrator of the club to confirm you are a member, which states your full name.

If your policy requires a certain level of security you would have been told this at the time of the quotation. A lot of vehicles have security fitted as standard; so if this is the case, tick the box on the form that states this. All you then need to do is sign and date the form.

 If your security is not standard to the vehicle, we would need you to complete the make and model of the security device. If you have a certificate of fitment, you could also send a copy of this in for our records.

 A Thatcham-approved device may be needed – if you are not sure if your device is, you can contact us and we will be able to tell you. A Thatcham Category 2 device is an immobilising system; a Thatcham Category 1 device is an immobilising system with a linked alarm.

Over the years, Sterling Insurance has insured thousands of vehicles for their owners. As a result of this, we have built long-standing relationships with several insurance companies.

 When taking out a policy, you will often be asked to submit some or all of the following paperwork:

•  A copy of the driving licence for all drivers on the policy
• A form detailing all modifications
• Proof of your no-claims bonus
• Photographs
• A Security Declaration
• Written confirmation of expected mileage
• A Utility Bill
• Further documentation (occasionally requested to support the policy)
• Unfortunately, this additional paperwork does generate more work for you and us, but ultimately our customers benefit from our stringent quality control of new policies. This allows us to accurately underwrite the policy and provide correct cover and pricing, particularly should new information come to light of which we were unaware.

 Over the years we have successfully negotiated large discounts for our customers and have only been able to do this because of the quality of the business we provide to our insurer partners. It is vital that we protect these discounts enabling us to continue offering our customers fantastic prices on great products. This is why we have to ask for copies of the various documents we have listed.

 A few minutes of your time sending us the documents we have requested will therefore allow us to continue offering some of the most competitive rates found anywhere in the UK insurance market.

We accept all major credit /debit cards and cheques. We also offer premium finance via direct debit payments, subject to terms and conditions.

Comprehensive cover is the highest level of cover that you can get for your car and any damages and injuries arising from it. It usually gives you all risks protection but comprehensive policies differ a lot from provider to provider, so it’s advisable to check the policy details. Some insurance policies cover accidental and windscreen damage, personal belongings and audio equipment or a courtesy car, but others keep premiums low by sticking to the basics. Comprehensive cover is recommended for cars over £1000 in value and is essential for cars worth over £5000. New cars bought on finance have to have fully comprehensive insurance. Usually it covers:

• Injuries to other people, including passengers
• Damage to other people’s property
• Liability arising from the use of a caravan or trailer, while attached to the car
• Fire damage and/or theft of or from your vehicle
• Accidental damage to your own car
• Personal accident benefit – certain amounts are paid in the event of the death or permanent disablement of the policyholder (and sometimes his or her spouse of family member)
• Medical expenses necessarily incurred, up to a stated limit
• Loss of or damage to personal belongings in the insured car, up to a stated limit

A classic vehicle is a vehicle that is over 15 years old and considered to have some value attached to it.

Some of our policies provide an extension allowing you to use your vehicle whilst taking part in a marshalled track day for non-competitive events. If you frequently attend these events talk to us about a dedicated Track Day policy.

Most insurers include a maximum period for use abroad at no extra charge, the maximum is normally 90 days per period of insurance. Please note that whilst you are abroad your Insurers provide a reduced level of cover and not all of the policy cover/benefits are included. Cover is not available for all countries.

Legal Expenses cover is always a benefit as although you may know a solicitor they may not specialise in Uninsured Loss Recovery. They would also possibly charge you for their assistance. The legal cover with your Just Kampers Insurance policy is free of charge.

Please refer to your Legal Expenses policy wording for cover and any limit which would apply.

All alterations to your vehicle since it left the manufacturer’s production line are treated as a modification. We specialise in insuring vehicles that have been modified and most modifications are acceptable, and many without any extra charge.

Third-party insurance is the minimum level of car insurance required by law in the UK to drive on the road. It is the cheapest option and only covers you for liabilities to other vehicles if you cause an accident. It usually covers:

• Injuries to other people, including passengers
• Damage to other people’s property
• Liability arising from the use of a caravan or trailer, while attached to the car

Third-party fire and theft insurance works like third party but includes protection for your vehicle against any losses through fire and theft. It usually covers:

• Injuries to other people, including passengers
• Damage to other people’s property
• Liability arising from the use of a caravan or trailer, while attached to the car
• Loss in the event of theft of or from your vehicle
• Damage to your vehicle in the event of fire

This is not automatically included and you will need to check your Certificate of Motor Insurance to see if this extension has been provided. This extension of cover provides the policyholder with only limited cover and is provided by the Insurer for emergency purposes only.

This extension of cover provides the policyholder with Third Party Only cover to drive another car that is not owned or registered to them, or on loan or on hire to them. The car being driven must also be separately taxed, MOT’d and insured already. Also this extension only applies to the Policyholder and not to any of the named drivers. This extension does not allow the policyholder to drive other vehicles such as Motorcycles or Commercial Vehicles.

An Agreed Value is available on Classic, Collectable or Modified Vehicles. Depending on the vehicle’s condition the listed market value may not reflect the value that could then be reached if you were to sell the vehicle.

If you have an agreed value and your vehicle is a total loss, then any offer will be based on the certified value rather than market value. For all agreed value policies, you will be required to supply several photographs and receipts of parts and labour costs for the work that has been done on your vehicle along with a declaration form. We will review this and if agreeable we will issue you with an agreed valuation certificate.

When making a claim, you will need to pay your excess, with excess protect you will have your excess reimbursed when the claim has settled.

Yes, but you would have to make a claim. We do offer Pothole cover as an extra benefit which covers your vehicle’s alloys, tyres and suspension for up for £1500!

There are a number of discounts that could be available to you, they are:

 Limiting your annual mileage

• Inclusion of a voluntary excess – this will be in addition to any other excess
• If you have a Thatcham alarm/immobiliser or tracking device
• Restrict the driving to yourself or named drivers over 25

We usually suggest you either contact the previous owner or dealer as they may have fitted it, or take the car to a garage to see if they can find the make and model.

In order that we can process your application we will need to following:

• Your registration number
• Your payment method including your bank sort code and account number if paying monthly.
• Details of your previous insurer including their name and policy number
• Your current mileage reading

We will send your renewal invitation, by post or email, around two weeks before the renewal is due. However, we can offer a price for your renewal up to thirty days in advance of the renewal date. This is to make sure that the price we give you will not change.

Yes. It may still be possible for the proposed policy to be arranged. Even if it is not possible to reverse the lapsed policy, we can usually arrange an alternative competitive policy, suited to your circumstances. Call us on 01256 444546 for one of our dedicated specialists to do everything that they can to help you find a suitable quotation.

Your existing insurer may well be willing to reduce your premium if we can demonstrate that their rates are no longer competitive. We also have access to a wide range of alternative insurance schemes which give us the opportunity to beat the price of cheaper quotes on most occasions. Please call us with full details and our insurance experts will do their best to fulfil your insurance requirements for another year.

With your details already on our records, we are aware of your insurance needs and are in a good position to provide you with the service that you require. It is likely that you will have to spend less time arranging another policy with us and have to provide less documentation.

We think it is very wise to have protected NCB if it is available. While it protects your NCB in the event of a claim, the insurer could still increase the premium, due to your recent driving history or other factors.

As long as you can confirm that none of the previously supplied information has changed, we can simply use the existing details held on our records. It may also be possible to use some of the documentation that you have provided in the past, which will minimise any inconvenience to you. It is unlikely that you will have to experience all of the time-consuming tasks associated with arranging a new policy.

With over 40 years of experience in arranging insurance for every kind of vehicle imaginable – and some you probably couldn’t imagine – we have insurance schemes to suit most situations. Even if your current insurance policy is not suitable for your new circumstances, we can use our expertise to help you find a competitive premium and the most suitable alternative insurance scheme available.

For example; if you have made a Statutory Off Road Notification (SORN) on your vehicle you can still benefit from the peace of mind that our specialist laid-up schemes offer. Even when unused and parked in a garage, vehicles can be damaged by accident or by fire and can even be targeted by criminals.

Under normal circumstances a classic policy will not earn NCB entitlement. A classic policy is typically identified as covering an older vehicle with restricted annual mileage.

Your NCB will be lost if a claim has occurred, for which your insurance company has made payments to or on behalf of you. It may, in some circumstances, be possible for the NCB entitlement to be reinstated if you agree to pay any costs and withdraw the claim.

Your NCB entitlement will be reduced if an accident has occurred, for which your insurance company has made payments to or on behalf of you. The entitlement will remain on the reduced level until they receive full reimbursement for the costs, typically from a third party’s insurance company. It may be possible for the NCB entitlement to be reinstated in the event of a fault accident if you agree to pay any costs.

In addition to premiums charged by insurers, we make charges to cover the administration of your policies. For new policies and renewals, we charge up to £65.

Our fees and charges reflect the costs of administering your policy and are reasonable when compared with other brokers and intermediaries. We have access to a wide range of insurance schemes which give us the opportunity to beat the price of cheaper quotes on most occasions. Our insurance experts may ask for full details of your quote in order to re-quote your renewal.

Even if your motoring convictions have been removed from your driving licence, there are some insurers on our panel who may use convictions up to five years old to calculate a premium.

It is similar with your claims history. While some insurers are only interested in claims from within the last three years, others may use claims up to five years old, regardless of whether the claim was made against you or another driver.

By collecting full details of your claims and convictions over a five-year period we can be sure that we are able to find you the best quote available from amongst the full range of providers on our panel.

For many people, it’s convenient to relax knowing that they don’t have to worry about calling us to renew their policy.

It also makes it harder for our customers to inadvertently become an uninsured driver, with the consequent legal and financial implications that a conviction for driving without insurance will attract. Since Continuous Insurance Enforcement (CIE) was introduced in 2011, it is illegal to own a vehicle without it being insured, unless it is subject to a Statutory Off Road Notification (SORN). This initiative was introduced to combat the high number of uninsured drivers. We wouldn’t want you to fall foul of the law for the sake of an honest mistake so our automatic renewal option helps to make sure there is no break in cover for you.

We will arrange the payment in accordance with our renewal invitation, which we send around two weeks prior to the renewal date by email or post. In the unusual event of there being a problem with your renewal, we will let you know in plenty of time.

If your vehicle is declared SORN, why not enquire about one of our specialist laid-up policies. Even when unused and parked in a garage, vehicles can be damaged by accident or by fire and can even be targeted by criminals. Laid-up policies can be considerably cheaper than ‘road risk’ policies.

Not all policies can be renewed automatically. Please check your renewal invitation for more information on your own renewal.

Yes. However, you will receive the appropriate refund if the NCB entitlement is reinstated.

Under normal circumstances, your NCB entitlement will become invalid if it remains unused for a set period of time. Where this is the case, you will not be entitled to any NCB thereafter. Each insurance company has a different time scale in which your NCB can be issued and will expire, but the majority will allow two years.

The Department for Transport (DfT) states that cars 40 years and older no longer have to undergo their annual roadworthiness check, known to most as an MOT.

Prior to the rule change which was announced May 2018. Only vehicles built or first registered before 1960 were MOT exempt, which accounted for almost 200,000 cars on the road at the time. This number has increased dramatically – as many as 300,000 extra cars became MOT exempt as a direct result of the changes.

Classic car MOT exemption does not apply to vehicles that have undergone significant modification – or ‘substantial change’ – in the past 30 years. Click here to view the Historic (classic) vehicles: MOT exemption criteria.

Car tax, also known as vehicle excise duty (VED) or road tax, is an annual tax paid by drivers in the UK. There are several different factors that determine whether you are required to pay car tax or not, and if so, how much. There are also numerous vehicle tax bands used to calculate the fee that is owed.

This article will specify which tax band your vehicle belongs in and the rates you are subsequently required to pay.

Do I need to pay tax on my car?
The majority of vehicles that drive on public roads in the UK should be taxed – but there are a few exceptions.

Some vehicles are eligible for tax exemption, such as:

• Vehicles used by a disabled person
• Disabled passenger vehicles
• Mobility scooters, powered wheelchairs and invalid carriages
• Historic vehicles
• Electric vehicles under £40,000
• Mowing machines
• Steam vehicles
• Vehicles used for agriculture, horticulture and forestry

If a car is currently not in use, it will still need to be taxed unless it is declared as SORN with the DVLA.

The amount of car tax you need to pay depends on variables such as CO2 emissions, fuel type and engine size. As previously stated, electric vehicles are exempt, but hybrids are not. However, they may have a lower tax expense as they emit less emissions than petrol or diesel cars.

One of the biggest factors in determining the price of tax is the vehicle’s age – referring specifically to when it was registered. The DVLA car tax rates come in two forms: a first year rate followed by a standard rate. Emissions figures or engine size and the vehicle’s registry date will determine how much you will pay.

Car tax changes happen frequently and first year tax was introduced in 2010 as a way to encourage more environmentally friendly vehicles. If you bought a newly registered car between April 2010 and 2017, you will be subject to this tax.

The government provides data and tools to help calculate your VED.

Vans weighing up to 3.5 tonnes must keep to the following speed limits: 30mph in built-up areas. 50mph on single carriageways. 60mph on dual carriageways.

Yes, speeding convictions can have an effect on your insurance premium.

Wild camping is illegal in England and Wales. The same is true in Northern Ireland. However, with the landowner’s permission, you can camp on land that’s not an official campsite.

You legally need insurance on your campervan or motorhome to drive on the road. And most campsites will require your vehicle to be insured as it’s open to the public.

No, there is no age limit for driving a campervan.

There’s no specific law preventing parking motorhomes outside houses. Certain exceptions can make this illegal. Local council regulations can pose challenges to motorhome parking.

There is no law preventing you from parking your motorhome on the street, providing there is no street markings or signage preventing you from legally parking there.

Although it is not specifically illegal to travel in the accommodation area of a campervan, you should bear in mind that this area would not have been specifically designed for use when travelling and Regulation 100 of the Road Vehicles (Construction & Use) Regulations 1986 (SI 1986 No. 1078) may apply. Our advice is that passengers are safest in a forward or rearward facing seat equipped with a three-point seat belt. Seat belt anchorage points should be designed so that they will be capable of withstanding the high forces of an impact and seat belts must comply with the latest British or European standards and be marked accordingly with either the ‘e’, ‘E’ or BS ‘Kitemark’. We strongly recommend that they are professionally installed by qualified persons (such as a commercial garage or seatbelt specialist).

The current rules to register a motorhome with the DVLA is as follows: seats and table, sleeping accommodation, cooking facilities, storage area, 2 or more windows on at least one side of the main body, a separate door which provides access to the living accommodation (excluding driver and passenger door), motor caravan-style graphics on both sides of the vehicle, an awning bar attached to either side of the vehicle, and a high top roof (pop top roof does not count).