Documents, Insurance and Vehicle Registration
What the exam tests
This domain checks whether the vehicle and driver are legally roadworthy and covered. Questions focus on which documents must exist, who is insured and what invalidates cover.
Core rules
- A driver must hold a valid driving licence for the vehicle class and carry it, together with the vehicle registration certificate and proof of insurance, when driving.
- Third-party insurance is compulsory. It covers damage or injury caused to others, not necessarily the driver's own vehicle. Comprehensive cover is optional.
- The vehicle must have a valid periodic inspection certificate where required. A failed or expired inspection can make driving unlawful and may affect insurance.
- Registration must be current and the vehicle details must match the documents. Report changes of ownership or address as required.
- Insurance can be invalid if the driver is unlicensed, intoxicated, using the vehicle for excluded purposes or driving a vehicle not described in the policy.
Worked example
A driver lends his car to a friend whose licence has expired. The car is insured, but the friend crashes. The insurer may refuse cover because the driver was not legally licensed. Reasoning: insurance covers a lawful driver and permitted use; a valid car policy does not cure an invalid licence.
Traps
Assuming insurance covers any driver; letting inspection or registration expire; carrying photocopies when originals are required; failing to report a crash; using a private car for paid transport without checking cover.