Do I need to pay insurance on a SORN car?

Do I need to pay insurance on a SORN car?

Hi if i declare my car SORN (UK) do i need to pay insurance or MOT?

 

BEST ANSWER: Try this site where you can compare quotes:QUOTES-FOR-INSURANCE.NET

 

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Drivetime Student Car Insurance- any good?

I'm just doing car insurance quotes and came across Drivetime Student where you can't drive after 11pm and before 6am for a 40% discount - does anyone have this insurance and is it any good? Also are you on the odd occasion allowed to go out after 11pm?!

 

 

50cc bike insurance, need help!?

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Why can't health insurance companies in one state cover individuals from other states?

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Can a Company charge more for insurance monthy for employees who work out of state?

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How much is motorcycle/scooter insurance in southern california?

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Got a ticket for no car insurance because i didnt have my insurance card?

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21,no job,no health insurance,need meds, what do i do?

i live in california & i had Health insurance for 3 months (medical) but they cut me off when i turned 21 in december. during those 3 months i was taking fluoxotine for my depression/social anxiety & nexium for dyspepsia. The meds actually worked. it took 2 weeks for my mood to change. i felt happy,less anxious & more talkative! but unfortunately i have ran out. My insurance company said they only take care of youth up to age 21 & the elderly. Well what does everyone else do? do any of you over 21 have Health insurance? if so what company? I have no money to pay for the meds myself, My fam cant afford it, i have no help, i cant get a job (ive been trying for two years) i Have no idea what to do.

 

 

I have cancelled my old insurance with a company and i need a renewal notice to get cheap insurance.?

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How much is car insurance for a teenager?

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What is the best life insurance for seniors?

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Is there a way to see how much car insurance will cost before I buy a car?

I am looking for a starter car and currently think I might have found one. This summer when I come home from college I am planning on getting a summer job and my mom is allowing me to use her car. But I thought if I go a head and buy the car I found that I could save up my money from working to pay for insurance and gas. My only question is how much would my insurance payments be? I know you can get quotes online but can you get them for a car you do not have yet? If not, is there anyway to know?

 

 

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Help with teen car insurance?!?

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Where can I get car hire insurance for USA?

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Suspend my insurance without it lapsing?

Im having some mechanical problems with my car that Im financing, and I am too young to rent a car while its in the shop, so Im considering buying a cheap car to get me by until I can fix it. Unfortunately Im still financing the first car and want to know if there is any way to put a hold on my insurance so im not paying $200 a month to insure a car Im not driving. I will still be making the car payments but it would make it a lot easier for me to afford the repair bill if I could skip on the insurance without the bank I finance thru getting upset.

 

 

Young drivers car insurance - cousin just got permit?

My cousin just got her permit and her family is allready looking to get her insured on her vehicle. Where is the best place online to get insurance just for a young driver without paying an arm and a leg?

 

 

Does all the insurance companies offer a car while your is not working?

I recently was involve in a car accident and I need the car I have Mercury insurance do they paid fro a rental car?

 

Do I need to pay insurance on a SORN car?

Hi if i declare my car SORN (UK) do i need to pay insurance or MOT?

 

Can i go on to parents insurance and get car loan ?

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Does Scrapping my car Affect Insurance?

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Dental Insurance Question - The Real Scoop?

While I am employed, I work at home for a company in another state, and the dental insurance options through my company were not viable. So, of course, I relied on the internet to research my options, and I looked, specifically, for dental insurance Lo and Behold, the stuff that came up, was for Dental Discount Plans. Upon first glance, it seemed like this could actually have been a better deal then anything offered through my firm. The conversation on the websites touted these plans, often with premiums of $7 to $20 per month, to be better than conventional dental insurance in every imaginable way. No issues in applying, no maximums, no deductibles, and no waiting. So, I am sitting here, reading how in EVERY possible way this is better than insurance, and it strikes me. If something seems to good to be true, maybe it is. If these were so much better than conventional insurance, why did my firm have so much trouble finding affordable insurance; they should have simply joined one of these discount programs. Well, the site even attached me to an independent article which BASHED the conventional insurance...Then it struck me...If I was a dentist, would I be happy joining these discount plans and basically getting 50% to 75% less for my services. Yeah Yeah, I am getting my payment up front and not waiting for the insurance to pay me (again, playing the role of the dentist), but is that worth the tremendously discounted amount (does not make sense when you compare the time value of money). So, I realized that if I were a dentist, I would not want anything to do with these plans...Or would I? Does being a part of these discount programs really bring in enough clients to justify that deep a cut in the fee schedule. Then I started to think...Is it possible that there is something up with these deeply discounted fee schedules I keep seeing on these sites? Are the fees just being jacked up and then discounted back down to the point where I might as well not be a member of the Discount Program, and just a regular walk in? Can I go to a dentist and ask them for the fee schedule, and then after the fact, compare it to the discount program to see that I am really getting a discount, and it is not some number playing farce. I would want to know as a dentist whether these discount programs are worth anything. I need some kind of coverage, and for the few self insurance programs I see, the monthly premiums are incredibly high, and yes, when compared to the discount programs, it seems like NO ONE would EVER join these insurance programs since they are more limited and more expensive...Yet....They are still in the insurance business. Will someone please give me the scoop...I need to have an affordable option here, but don't want to be duped into joining one of these discount programs. Thank You

 

 

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How much does car insurance cost?

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Cheapest auto insurance rates?

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Is there any health insurance programs, other than Medi-Cal or Medicare to help the nearly indigent in Calif.?

Is there any health insurance programs, other than Medi-Cal or Medicare to help the nearly indigent in Calif.?

 

 

Car accident and cost $500 to repaint the bumper ?

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MAZDA3 with insurance questions?

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I need help with car insurance?

My parents are divorced and i live with them each 50% of the time. I just turned 16 and was put under my dads insurance. When im at my moms house am i allowed to drive her cars even though i am not listed under her insurance and live in her house part time???

 

 

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How much does insurance cost on a car for someone that is under 21?

How much does insurance cost on a car for someone that is under 21?

 

 

Is buying insurance where i go to college ok?

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Hopefully I could be a secondary driver on the vehicle which may lower the price a bit

 

 

How much would it be to insure this car?

17 year old Female living in Miami, FL id be under my parents thing of course..they have state farm. I was wondering how much it would cost to insure a 2003 (or 2006) nissan 350z for me? just an estimate or range would be helpful thanks so much

 

 

Is a Pontiac Grand Am considered a sports car?

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How much does Mexican auto insurance cost?

I live in the U.S. and 'm going to be renting a car in Cancun for about a week on vacation so I am wondering how much an economy car or a van costs...? There is going to be six of us so either 2 economy cars or 1 van/suv.

 

 

Why is car insurance to high in my area aged 23?

ive been passed for 4 years now - and when i first started driving i was paying 800 on a 1.6. now if i was to do a re-quote on the same car it comes out to 2800, which is stupid. now if i was to do a car insurance search say 3 miles away from my house the car insurance on a astra is only 1000 which is a big change, so why im being ripped off on car insurance.

 

 

How much would my tickets be?

I was driving 60 in a 45 and didn't have a copy of my insurance in the car (it was expired). I do have legal insurance but it's at home. So I got two pieces of paper. One for insurance and one for speeding. What can the costs be? I'm 19 and this is the first time I have gotten a ticket/citation (And I get two together, how lucky?). All I need to know is that how much are they worth?

 

 

Auto insurance for teen questions?

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Do I need to pay insurance on a SORN car?

Hi if i declare my car SORN (UK) do i need to pay insurance or MOT?

 

How much does your auto insurance go up after you get a speeding ticket?

i got one going 80 in a 55. dont get all high and mighty on me. i was being a dumbass and we know im paying for it now. also i live in MA and im 18 driving for less then a year

 

 

Should I get Term Life Insurance at a young age?

I am currently 30 years old and in excellent health but since I am getting ready to start a family, I want to be prepared for the future of my loved ones. After reading about different life insurance options, I am deciding to go with Term Life Insurance for 20 years. Is it true that Term Life Insurance premiums don't change throughout the life of the term? If so, shouldn't I sign-up now while my annual payment will be low and locked in at this rate? My employer offers a very small life insurance benefit that I am already a part of but I want more just in case. While I am asking, are there any circumstances where a payout won't be made if I were to die under a term life insurance plan? Is it guaranteed? What if I (God forbid) get Cancer or have a heart attack? Thanks in advance!

 

 

Help on getting cheap car insurance for young drivers?

I know about multicar but i cant do that, i know about named drivers etc but is there any way i can get a decent insurance quote for a 17 year old because ive been getting 15000 quid for quotes recently. Dont tell me you cant do it thats not gonna help me, thanks

 

 

How much on average does your insurance go up after a speeding fine?

How much on average does your insurance go up after a speeding fine?

 

 

Car insurance adjustments

If my car insurance rate has been raised and it is due to the insurance company deciding I am at fault for an accident at which I was not at fault, cann my adjuster decrease the amount if I show I was not at falut?

 

 

UK - Insurance for Teenagers?

Hello, Does anyone know where newly qualified drivers can take advantage of low insurance prices. I have tried a few of the price comparison sites, but find that the price of the insurance cover is more than the car. If I purchased a car for about 800, how much should the insurance be. What is the cheapest way of buying it. Is it better to Telephone a local Broker ? Or online.

 

 

What is good car for cheap insurance?

okay im 16 and now have enough money for a car. I want a GM or Ford car what would be a good car from the 90s that would be the cheapest on insurance.

 

 

Car totaled Auto insurance wont pay full amount with salvage title?

This is crazy my car was hit head on, our airbags saved our lives, now the auto insurance of the other party wont pay full amount on 2006 vibe , because there is a salvage title on my car. My car has that title not from a accident because it was a stolen car that we bought at auction . The Insurance company put's the salvage title on anything. Now what are we going to do sue them, How do you fight this crazy salvage rule its not our problem its their rule . It was also the other persons fault and it ruin our vacation with body pains it was all messed up.

 

 

Re: car insurance...?

My husband's name is the only one listed in the car insurance. I recently just got my driver's license, should I include my name in the insurance? What's the advantage or disadvantage of doing that? Would our insurance payment increase?

 

 

Does anyone know of a health insurance company that will insure me even though I am pregant?

My husband and I make a little over the income requirements for medicaid in our state(SC), we also own two cars so our chances of getting medicaid is very slim. I was just wondering if anyone knew of a health insurance plan that will take on a policy for me even though I am pregnant....we were in the process of looking for health coverage, but ended up getting pregnant in the mean time...thanks for your help...please serious and honest answer only...we are in the state of south carolina. thanks

 

 

Will my insurance cover the wreck & my car?

My boyfriend was driving my car and he's not under my insurance plan only me and my mom are and someone thought we were riding their *** so they slammed on the breaks and we slid right into their car and he rolled down his window and laughed and cussed us out then drove away. and my car is totaled. will i have to pay all repairs? or will the insurance cover it even though someone else was driving my car? (i know if the insurance pays i will have to still pay a deductible)

 

 

Do lamborghini doors increase your insurance?

Also does a 2 door, 2 seat also increase the insurance cost?

 

 

I got a ticket for failure to show insurance in NJ . How will this effect my insurance rates.?

The day I got my car, I was got a ticket for not having insurance in NJ.I had insurance but paper had not come in the mail yet. I went to court and it was lowered to failure to show insurance and I paid like $185. How will this effect my points and and my insurance rates. Should I reopen my case and plea not guilty or see if I could get it dismissed and would I have to get a lawyer for that? Is it worth the money? This is my first ticket ever. I though he would dismiss my case after explaining my case but my public defender was really rude and impatient when I asked him If I could have the case dropped saying You're should be glad I am not getting your license taken for a year! which is true, but I had proper documentation so there was not way my license would have been suspended.

 

 

Coverage characteristics of health insurance?

What are some of the coverage characteristics of health insurance

 

 

How much will 2 points effect my car insurance?

I am 17 years old. I live in New Jersey, got my license 6 months ago. I was driving through Maryland and I got a speeding citation worth two points. My parents do not know about the speeding ticket, but I already paid it. How much will it effect my Geico car insurance rates? Also, I just received the advisory notice in the mail today, called the MVC and they just said it was pretty much a piece of paper saying I got a ticket....

 

 

What's an good place to get auto insurance?

What's an good place to get auto insurance?

 

 

Drivers License with Insurance?

Do you have to be on someones insurance if you get a driver's license? I don't know what company my mom gets insurance through but her insurance would go up four hundred and thirty dollars because of my sister's driving record, but the lady said I HAD to be on someones insurance right after I get my license. But I called the local DMV and they said that I don't have to be on someones insurance if I get my license. The car just has to be insured. Who do I believe? Because I heard that sometimes insurance companies try to milk you for money... Who do I believe? Can someone give me a real LEGAL answer?

 

 

Is a Ford Mustang, Chevy Camaro or a Dodge Charger good for a first car?

My friend is 18 and goes to college and he has a Ford Mustang. I know its a sport car but is it good for it to be a first car?

 

 

How do I get Insurance before I even buy a car?!?

I'm looking to buy my first car and one of the things the dealership asks from you is proof of insurance. How am I supposed to have car insurance if I don't have a car yet? Secondly, after buying the car am I supposed to drive it home without insurance, registration, etc?

 

 

How does car insurance work? do u have to pay for it monthly?

i'm buying my first car and am confused as to how car insurance works. i know its better to have insurance before driving your car off the lot but how does insurance work? do you pay insurance monthly liek you do for a car note?

 

 

Can I buy a car without car insurance?

Hi, I am trying to purchase myself a Mazda, but after I checked the car insurance quote offered by RBC and other companies, things get ridiculous-the quote calculated my insurance to be more than 5000 per year-that's much more than my car! I am 19 years old and this is my first car. I just got my 5N license in Halifax. I didnt take the drivers course, so can I get my car without insurance? Or can you guys recommend a low-price insurance company? Thanks for helping!

 

 

What's the absolute cheapest car insurance company in Illinois?

What's the absolute cheapest car insurance company in Illinois?

 

 

How do you know if you qualify for Medicaid?

How much do you have to make be eligible for your baby to be placed in the Medicaid Insurance when born? And, is it easy to get or is there usually a long wait or anything? Thanks :)

 

 

How much will insurance be for me?

Hi! I'm 16 years old and I'm about to get my drivers license. I was wondering if anyone knew how much insurance will turn out to be? I heard there was a good student discount? Is that true? I'd be driving an 07 Honda

 

 

Im looking or an affordable health insurance, please help?

hello, I need to see a doctor as soon as possible but i don't have insurance. anyone know any good affordable health insurance. thank you in advance

 

Do I need to pay insurance on a SORN car?

Hi if i declare my car SORN (UK) do i need to pay insurance or MOT?

 

Am I legally insured to drive my car?

I live in the UK and hold a provisional driving license. Recently I became the registered keeper of a car, and to cut down on insurance costs, my mother insured it in her name with me as a named driver. As I am still not fully qualified I always drive under supervision. A friend has suggested that unless I make my mum the registered keeper of the vehicle, my insurance is not valid and I am breaking the law. Is this true?

 

 

Why do auto insurance company ask for social security number when asking for a quote?

must i give my social security number if i were to purchase a auto policy?

 

 

Need help with car insurance!?!?!?

Alright, so I'm getting a car soon and I'm checking out insurances and I can't believe how #%@$ing expensive it is!!! I know I'm 19 and I'm a male so I will have expensive insurance but c'mon, they're basically wanting to charge me like almost 400 dollars a month!! Does anyone know what insurance companies are the cheapest? I already checked esurance and aigdirect. I have a daughter so I don't want just liability, I want good insurance.

 

 

Car insurance victim?

last year i had the police turn up at my door saying that i had hit a car roof with a claw hammer i didn't no what they was going on about i did not get arrested and they left, few days later i got a insurance letter thur the post saying that i had collided with a bmw and drove off leaving the seen, there insurance paid him out 5000, i spoke to my insurances and said i don't no what is going on they asked for pictures off my car i sent them, i phoned the police and asked them they said there is no further action is to be taken as the person as dropped the chargers, so i phoned there insurance and they said we are waiting for police reports, i said the police are not taking it any further as the person as he had dropped the chargers, they did not believe me and wanted me to pay 3500 in 14 days i said no, i lost 3 years no claims and my premiums went up, i just had to wait for months :( i got a letter today off there insurance saying we have had the police reports and there is no further action against me or my insurances... ok what will happen to the person what made up this lie to his insurance as he told the police one thing and his insurance another??????

 

 

Hyundai tiburon insurance?

I am looking for this car to be my first car. I live in Washington and I have a 3.5 GPA (my insurance company told me this would help), and I'm a female. How much would it cost to get car insurance, per month. Is it a sports car? I was thinking of getting the 4 cylinder, 2.0 engine, if that makes a difference. I also have State Farm if that helps.. Thanks!

 

 

Motorcycle insurance with no Class C?

I live I California and the dmv gave me an only class M learners permit and I can only ride motorcycles not cars. My problem is Insurance companies keep asking for a drivers license then they cut me but I really don't want a Class C license!!! Any insurance companies bypass that?

 

 

Insurance Cost Starting Driver-?

Statement of Facts: 16 (soon turning 17) Good Grades, above B, honors Several after school activities (Student Council, if that is even relevant) Impeccable driving history (no infractions) State of Residence: Maine Rural/sub-city? Insured under fathers plan, also clean record (51 and 1 ticket?) Alright, I'm currently under my fathers policy and am driving his vehicle to school and back. Soon we will be purchasing a vehicle for my own, and I have a few questions. To be frank, I am looking at mustangs. Not v6s, but GT v8s, preferably standard transmissions. Dad's biggest problem is insurance, which is understandable. My question is how much said insurance would cost/ raise his existing policy? -I like this model because I want a vehicle with performance. When I think of performance, Muscle comes into mind. The quintessential of this and most feasible is a mustang. Many older versions (such as 1990's, early 2000's) so they are affordable, and I just like them. Also I know a considerable amount of knowledge for my age about vehicles due to helping in my grandfathers garage past summers and many weekend projects.

 

 

I got a speeding ticket and no insurance?

well my insurance was expired when i got the ticket. so when i renew it will it still go up?

 

 

If I have health insurance, should I not pay for certain coverages on my car insurance?

I have health insurance with HealthNet. For car insurance, there seems to be 3 major items for coverage: -BODILY INJURY LIABILITY -PROPERTY DAMAGE LIABILITY -UNINSURED MOTORIST & UNDERINSURED MOTORIST I'm under the impression that the third item is health insurance *for me* if I get into an accident. Why do I want that if I am paying for medical insurance anyway? Should I minimize coverage on this item?

 

 

How much of my 18 yr. old son's paycheck should I take from him?

My son got his first job at McDonalds. He is living at home. I want to take a percentage of his pay and put it aside for his car insurance, etc.. I can't see him just blowing his whole paycheck on junk. What percentage do you think is fair?

 

 

Will state farm insurance pay for my rental car?

I am 20 years old and full coverage and i wrecked my car at my own fault today, and while its getting fixed i need a rental car, does state farm pay for it?

 

 

Which is the cheapest and best ( best value) auto insurance in the US?

GEICO sux

 

 

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good?

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good enough to get in state of California? 1- Liability only? 2- Liability plus collision? 3- Full coverage? 4- Any other type? Regards, Mo.

 

 

How much does car rental insurance cost?

I am renting an economy car for one day through enterprise. Any idea what the average cost of rental insurance they offer is? I'll be calling them later on. Just wondering ahead of time what I should expect to pay, on average. Thanks

 

 

No proof of insurance ticket in CA?

I got pulled over for speeding, but also cited for no proof of insurance. I was in the process of getting it since I had just bought the car a couple weeks ago. I got insurance a couple days after the ticket. My question is, if I decide to plead not guilty, can I change the date of the insurance and show it to the judge? Would they call the insurance? The insurance sent me the proof through an e-mail so I can try to change the date on it if I wanted to. I dont want to pay the $480 fine for getting insurance after the citation...let me know, thanks

 

 

What Is GAP Insurance?

Hey there! I was just wondering if anyone knew what GAP insurance (Vehicle Insurance) is? Is it like normal vehicle insurance? Any information would be helpful, thank you. =]

 

 

Auto insurance and Car payments?

I am looking to buy a 4x4 truck or mini suv of some sort ranging from $3000 to $7000. I know this is a hard thing to answer but if anyone can give me some tips and rough estimates that would be great! Im 19 years old, I have 3 credit cards all payed on time and a cellphone contract. I have a 600 something credit score and I am wondering how much a car payment would be without a co-signer? Also what is up with insurance companies? They want to charge me $300 to $400 dollars a month on any car year make or model monthly without even checking my back round...Is there some place where I can get cheaper rates? I cant afford that crap. Any help is appreciated, thanks!

 

 

Whats the cheapest auto insurance for honda civic?

I'm 19 years old, i have had a license for a year and a half. i have had one speeding incident where i was going 100 miles per hour. Other than that i have no records of bad driving. i drive a honda civic sedan. what is the cheapest car insurance i can get so i can drive again?

 

 

How much would i pay for car Insurance?

How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 18 Years old, never been in any accident.

 

 

Auto insurance fraud..how much trouble am i looking at?

i don't need to be judged..I made a dumb decision which could have resulted in me losing my life and im lucky i didn't. anyways here goes..so a supposed friend of mine told me she couldn't wait to teach me to drive..i told her i didn't want to drive until i got my permit. well after telling me that she pulls over and asks if i want to drive..i tell her no..she keeps pushing telling me she thinks i'd be good at driving and eventually after saying no 8-10 times i give in and we switch..i continued up the road and i made the right and i was maknig another right and i lost control and ended up on the sidewalk and crashed into a pole..airbags exploded and all..when immediately got out of the car and I asked her what we were going to do and she said to me so help me god if i lose my license and again i said what are we going to do? she said were going to say i was driving..we got ran off the road by a red truck..when the cops came i stuck with the same story she did and we went to the hospital and all..this happened a month ago..the vehicle was totaled and she collected money from the accident. I however felt so guilty i went and turned myself into the police and told them the truth about everything. the cop that was at the accident is who i spoke with..i filled out a witness report and the cop said that he was really glad that I came forward with the truth and that she would be in much more trouble than I and that he planned to take it easy on me since i came forward about it and because i am a mom..he said the most i will probably get is my license suspended..i am still waiting to get anything in the mail and i'm so nervous bc i don't know if i can get in worse trouble and was wondering what other people thought..honestly the whole thing has scared me from ever wanting to drive again and even though i wasn't the victim i really felt like it for days after the accident..i was very distraught..and i'm scared even being a passenger in a car now..i watch everything and get very scared fast. Can i get in trouble with the insurance company? I didn't give them a statement. I just told them about me going to the hospital and stuff..my supposed friend actually gave them the statement..they sent me a bunch of paperwork in the mail to have me mail back in so they could cover medical expenses but i never sent the stuff in or filled it out bc i didn't want the insurance company to pay for something that was my fault. I live in pa and i guess im just wondering how much trouble i can get in? or if i should be okay because i came forward with the truth.

 

 

Can a car insurance company make up points on your license?

So in early march my apartment was raided for pot, and a 1/2 gram was found. I was convicted of possession of marijuana and as part of Michigan's driving laws even if the incident did not occur in a car your license is restricted for 6 months. Yesterday my mother (the insurance for the whole family is in her name) received a notice that i had 8 points on my license and my insurance rates would be raised. Confused about this i went to Sec of State and in fact found out that i have no points. I called Memic and explained this to them, they informed me that they do not use actual points, they use their system of points. For example OUID is a 6 point offense but they count it as 8 points. Passing a stopped school bus (which as far as i can tell is no points) they view as 8 points. My question is, can they do this? We are switching insurances next month due to cheaper rates but this seems like a shady business practice to me. Thanks for ur time!!! -Pat

 

 

How much is car insurance monthly in Oregon with a Dealer License?

A buddy of mine who lives in Washington registers their cars with their dealer license. My buddy claims that his car insurance is only about $20.00 a month because of his dealer license. My family and I are beginning to pick cars up on craigslist and flipping them and are getting a dealer license so I'm wondering if in the state of Oregon, if the car insurance will be cheap like that or is that a Washington only thing? Thanks for your answers- Paul

 

 

How much for car insurance i need the cheapest price?

i need the insurance the requier for the law

 

 

PA insurance laws?

Anyone know what the laws are in PA when you buy a car from a private owner? How long do you have to get insurance? I already have it on my car .. and I'm getting this new one and not transferring the insurance until the next day. What are the laws? Is it like inspection that you have 10 days?

 

 

Get insurance on car if title not in my name?

I am wanting to make payments to a freind for this car until it is paid off. The title is in his name, can I get insurance on it for myself even though the title is not in my name?

 

Do I need to pay insurance on a SORN car?

Hi if i declare my car SORN (UK) do i need to pay insurance or MOT?

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