Insurance
Third party only is the legal minimum. Third party, fire & theft is the next step up, and comprehensive covers your own car too. For new drivers comprehensive is often no more expensive. A black-box (telematics) policy can cut costs.
Everything a new UK driver needs to know: getting your licence, what it costs to own a car, the limits, the rules that cost points, and what all those lights on the dashboard mean. This is a learning aid, so always check gov.uk and the Highway Code.
Eight steps. The DVSA says the average learner needs about 45 hours of lessons plus 22 hours of private practice.
You must be able to read a number plate from 20 metres, with glasses or contacts if you need them. The examiner checks this at the start of your test.
FREEApply on gov.uk from age 15 years 9 months. You can start driving a car on public roads at 17.
≈ £34 ONLINEBook an approved driving instructor (ADI). You can also practise with anyone over 21 who has held a full licence for 3 years, if you are insured and display L plates.
LESSONS ≈ £35–£50/HR50 multiple-choice questions (pass mark 43) plus a hazard perception test of video clips (pass mark 44 out of 75). Your pass lasts 2 years.
£23Waiting lists can be months long, so book as soon as you pass your theory. Only book through gov.uk.
£62 WEEKDAY · £75 EVE/WKNDAbout 40 minutes: about 20 minutes of independent driving following a sat nav or signs, one reversing manoeuvre, "show me, tell me" questions, and possibly an emergency stop. Pass with 15 or fewer minor faults and no serious or dangerous ones.
≈ 40 MINThe examiner can send your details to DVLA and your full licence arrives in the post. Green P plates are optional but a good idea.
NO EXTRA FEEIf you get 6 or more penalty points within 2 years of passing, your licence is revoked and you must pass both tests again.
6-POINT LIMITFEES ARE GOV.UK PRICES AT TIME OF WRITING (2026). CHECK GOV.UK BEFORE BOOKING.
Before you drive any car, even a friend's, it must be insured for you, taxed and have a valid MOT.
Third party only is the legal minimum. Third party, fire & theft is the next step up, and comprehensive covers your own car too. For new drivers comprehensive is often no more expensive. A black-box (telematics) policy can cut costs.
Pay DVLA online. Tax does not transfer when you buy a used car, so you must tax it before driving away. Electric cars have paid VED since April 2025.
A safety and emissions test once a car is 3 years old (4 in Northern Ireland). Maximum fee for a car is £54.85. Check any car's MOT history free on gov.uk.
Shows the registered keeper. Tell DVLA when you buy, sell or move house. A car kept off the road must have a SORN.
Limits are a maximum, not a target. If there are street lights and no signs, assume 30 mph (20 mph in Wales).
The white circle with a black diagonal stripe is the national speed limit sign. It means 60 mph on single carriageways and 70 mph on dual carriageways and motorways for cars. Lower limits apply when towing.
These come straight from the Highway Code and appear in the theory test. White is thinking distance (before your foot hits the brake) and orange is braking distance. Test different speeds and weather below.
In the UK you go clockwise around roundabouts and give way to traffic coming from your right. Practice your lane choice and indicator timing in the simulator below.
Learners can now have motorway lessons with an approved instructor in a dual-control car. On smart motorways, overhead gantries set mandatory variable speed limits and close lanes with a Red X.
Use the left lane unless overtaking, then move back. Middle-lane hogging can earn a careless driving fine.
Never undertake, except when queues on the right are moving more slowly.
A red X above a lane means it is closed. Driving in it is an offence that can bring points and a fine.
Get onto the hard shoulder or an orange emergency area, leave by the left-hand doors, wait behind the barrier, and call for help.
They use traffic-light colours. Red means stop as soon as it is safe. Amber means get it checked soon. Green and blue are just telling you something is on.
Stop as soon as it is safe and switch off. Driving on can wreck the engine in minutes.
Overheating. Pull over, switch off and let it cool before checking coolant.
Handbrake still on, low brake fluid or a brake fault. Do not drive until checked.
The alternator is not charging. You are running on battery and will soon stop.
Airbags may not deploy in a crash. Get it checked soon. It is also an MOT fail.
Someone is not belted in. Fines are up to £500.
The ECU has spotted a fault. If it flashes, reduce speed and get help. If steady, book a check.
Normal brakes still work, but anti-lock is off. Brake gently and get it checked.
One or more tyres is low. Check and inflate at the next garage.
Flashing means it is working on a slippery road. Steady means it is off or faulty.
Wait for it to go out before starting a cold diesel.
Usually about 30–50 miles left. Running out on a motorway is dangerous and can get you fined.
Your normal headlights are on.
Flashes when you signal. Fast flashing means a bulb has gone.
Full beam is on. Dip it for oncoming traffic and when following someone.
Only use when visibility is under 100 m, and turn it off when it improves. It dazzles drivers behind.
Points stay on your licence for 4 years (11 for drink-driving). Remember: 6 points in your first 2 years and you are back to being a learner.
| Offence | Typical penalty | Good to know |
|---|---|---|
| Using a hand-held phone | 6 points + £200 | Applies even when stopped at lights or in traffic. For a new driver, this alone loses your licence. |
| Driving without insurance | 6 points + £300 | Can go to court for an unlimited fine and a ban. The car can be seized. |
| Speeding | From 3 points + £100 | Higher speeds go to court. You may be offered a speed awareness course instead. |
| Drink- or drug-driving | Minimum 12-month ban | Plus an unlimited fine and possibly prison. It shows on your licence for 11 years. |
| Running a red light | 3 points + £100 | Includes crossing the white stop line after the light turns red. |
| Not wearing a seatbelt | Up to £500 | You are responsible for passengers under 14 too. |
| Illegal tyres | 3 points + up to £2,500 | Per tyre. Four bald tyres could be 12 points. |
| Careless driving | 3 points + £100 | Such as middle-lane hogging or tailgating. Worse cases go to court. |
| No car tax (VED) | Fine, no points | DVLA cameras catch untaxed cars automatically, and the car can be clamped. |
Alcohol affects everyone differently and there is no reliable way to know you are under the limit. The only safe amount is none.
| Measured in | England, Wales, N. Ireland | Scotland |
|---|---|---|
| Breath (µg per 100 ml) | 35 | 22 |
| Blood (mg per 100 ml) | 80 | 50 |
| Urine (mg per 100 ml) | 107 | 67 |
The government has consulted on lowering the limit in England and Wales, so check gov.uk for the latest. You can still be over the limit the morning after a night out. Driving with certain drugs in your system, including some prescription medicines above set levels, is also illegal.
UK plates tell you where a car was registered, how old it is, and whether a green strip marks a zero-emission EV. The age identifier changes twice a year, on 1 March and 1 September.
The first two letters show where the car was first registered: "L" is London, "M" Manchester and Merseyside, "S" Scotland, "Y" Yorkshire, and so on.
March cars get the year (26 = March 2026). September cars get the year plus 50 (76 = September 2026).
The last three letters are random. Private "cherished" plates can make a car look newer, but never older, than it is.
At the start of your test you are asked a "tell me" question, and during the drive a "show me" one (like working the rear demister while moving). Learn the POWDERY checks and you can answer most of them.
Enough fuel for the journey
Dipstick between min and max
Coolant and screenwash topped up
Walk around: bodywork, glass, mirrors
All lights, indicators and horn work
Tyre tread, pressures and wiper blades
Fit to drive: not tired, ill, drunk or on drugs
Doors closed, Seat adjusted, Steering wheel position, Seatbelt on, Mirrors set. Do it every time before you move off.
The examiner will ask you to do one reversing manoeuvre: parallel park at the roadside, park in a bay, or pull up on the right and reverse two car lengths.
You can understand most signs before you can read them. Shape tells you what kind of message it is, colour tells you what kind of road.
Modern cars switch many lights on automatically, but on the test and at night you need to know which is which.
At night, and in the day when visibility is poor. If you would struggle to see a car 100 m away, put them on.
Unlit roads with nobody ahead. Dip as soon as you see oncoming traffic or catch up with someone.
Only when you can see less than about 100 m. Switch them off when the fog clears or they dazzle people.
When you are stopped and causing an obstruction, or briefly on a motorway to warn of a queue ahead.
Britain rarely has extreme weather, which is exactly why people get caught out when it happens.
Double your gap. If the steering goes light in deep water you are aquaplaning: ease off, don't brake hard.
Stopping distances can be ten times longer. Use the highest gear you can, and gentle steering and braking.
Common in autumn and winter. Keep the windscreen clean inside and out and use the visor.
Watch out on bridges and open roads, and give cyclists, motorbikes and high-sided vehicles extra room.
Knowing how enforcement cameras work and what catches learners out on test day keeps your licence clean.
The classic yellow box. Uses radar and flashes twice from behind so you aren't dazzled, photographing the car against white secondary check lines painted on the tarmac.
Yellow cameras on high yellow poles, common in roadworks and A-roads. Pairs of infrared ANPR cameras time how long you take between two points—braking for the camera does nothing.
Small cameras mounted on the side of smart motorway gantries rather than underneath. Automatically adjusts to enforce temporary variable speed limits and Red X lane closures.
Triggered when wheels cross the white stop line after red, or when a vehicle stops stationary inside a yellow box junction with a blocked exit.
Failing to look right, left and right again before emerging, or misjudging the speed of an approaching vehicle on a fast main road.
Forgetting the MSM (Mirrors – Signal – Manoeuvre) routine when changing lanes, passing parked cars, or slowing down.
Pulling away from the side of the road without checking the blind spot over your right shoulder.
Approaching a roundabout in the right-hand lane when going straight ahead (unless road markings say otherwise) or straddling lane lines.
Mounting the pavement during a parallel park or failing to pause and look all around when pedestrians walk near the car.
Missing a change to a 20 mph zone, creeping over a stop line, or entering a bus lane during operational hours.
Stay calm. If anyone is hurt or the road is blocked, call 999.
You must stop if there is damage or injury. Switch on your hazard lights and turn off the engine.
Get everyone out of danger. On a motorway, get behind the barrier.
Give your name, address and registration to anyone with reasonable grounds to ask, plus insurance details if anyone is injured.
Take photos of the cars, positions, road and any damage. Note witnesses, the time and the weather.
If you could not swap details, report it to the police as soon as possible and within 24 hours.
Even if you don't claim, your policy probably requires you to report it.
Stick to the facts. Let the insurers decide who was to blame.
Shock can hit later. Get checked out if you feel unwell.