DVSA Documents and Insurance 3 — Questions and Answers
Question 1: What is third party, fire and theft insurance?
- The most basic level of insurance
- Insurance that covers third-party damage plus theft of and fire damage to your own vehicle (Correct answer)
- Only covers fire damage
- The same as comprehensive insurance
Correct answer: Insurance that covers third-party damage plus theft of and fire damage to your own vehicle
Third party, fire and theft insurance covers everything third-party does, plus it covers your vehicle if it is stolen or damaged by fire. It does not cover accidental damage to your own vehicle.
Question 2: What is the minimum age to ride a moped on UK roads?
- 14
- 15
- 16 (Correct answer)
- 17
Correct answer: 16
You can ride a moped (up to 50cc) from age 16 with a provisional licence and CBT (Compulsory Basic Training) certificate. L-plates must be displayed.
Question 3: What document must you produce if stopped by the police while driving?
- Only your MOT certificate
- Your driving licence — and you may be asked to produce insurance and MOT at a police station within 7 days (Correct answer)
- Only your V5C
- Your passport
Correct answer: Your driving licence — and you may be asked to produce insurance and MOT at a police station within 7 days
If stopped, you should produce your driving licence. If you don't have it with you, you will receive a producer (HO/RT/1) requiring you to present your licence, insurance, and MOT certificate at a police station within 7 days.
Question 4: What are the consequences of drug driving in the UK?
- A warning for the first offence
- A minimum 12-month driving ban, unlimited fine, possible prison sentence, and a criminal record (Correct answer)
- A 3-point penalty
- Community service only
Correct answer: A minimum 12-month driving ban, unlimited fine, possible prison sentence, and a criminal record
Drug driving carries a minimum 12-month driving ban, an unlimited fine, up to 6 months in prison, and a criminal record. It applies to both illegal drugs and prescription medications that impair driving.
Question 5: What does a photocard driving licence consist of?
- Just a plastic card
- A plastic photocard — the paper counterpart was abolished in 2015 (Correct answer)
- A paper document only
- A digital-only licence on your phone
Correct answer: A plastic photocard — the paper counterpart was abolished in 2015
Since June 2015, the paper counterpart to the photocard licence was abolished. Your driving record (including penalty points) is now only available online through the DVLA's 'View or share your driving licence' service.
Question 6: How long do most penalty points stay on your driving licence?
- 1 year
- 2 years
- 4 years from the date of offence (11 years for serious offences) (Correct answer)
- Permanently
Correct answer: 4 years from the date of offence (11 years for serious offences)
Most penalty points remain on your licence for 4 years from the date of the offence. Points for more serious offences such as drink-driving remain for 11 years. Points are 'active' for 3 years for totting-up purposes.
DVSA Documents and Insurance 3
What is third party, fire and theft insurance?