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What if I am a young driver?: In the UK, car insurance quotes are dependant upon several factors, these include age, gender and location. One of the overriding considerations is the age of the potential policy holder, the younger the driver the more expensive the policy in most circumstances.
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Am I insured to drive someone else's car?: Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.

What are the road tax rates by specific type of vehicle?

The collection and administration of road tax is done by the DVLA (Driver and Vehicle Licensing Agency). The DVLA is responsible for all regions of the UK. Their aim is to facilitate safe and responsible driving throughout the UK. In addition to road tax they are also responsible for keeping a registry of all vehicles and qualified drivers.

The amount that you have to pay for road tax depends on the type of vehicle (Car, Van, Motorbike etc) and the exact details of your vehicle (Engine size, age of vehicle). The DVLA has a website at www.dvla.co.uk and the figures and tables below are taken from that website.

Private and light goods, should they have been registered before the 1st of March 2001, will pay tax depending on the size of their engine. If it is less than 1500cc, the amount is £105 a year, and above that it is £160 a year. Should a vehicle have been registered after 1/3/2001, then the bands are based on CO2 emissions (g/km) as shown in the link below:

Vehicles registered on or after 1st March 2001

Where Motorcycles are concerned, it again depends on their engine size. Those below 1500cc pay £15 for the year, those between 151cc and 400cc pay £30, between 401cc and 600cc will be £45, and over 600c pay £60. With tricycles, an engine size of under 150cc results in a payment of £15, and anything above that is £60.

The road tax rates for buses are arranged according to seating capacity, as shown in the link below

All trade vehicles pay the same rate for road tax at £160 per year. This excludes bicycles and tricycles that weigh under 450 kgs, who pay £60 a year.

Light goods vehicles, which are those weighing less than 3,501 kg, get taxed at £160 a year.

General haulage vehicles pay road tax depending on the pollution that they emit. Some have had anti-pollution changes made to them, in which case they pay £160, but if the changes haven't been made, they pay £350.

Private HGVs get taxed at a rate which depends on their mileage. If they travel between 3,500 and 25,000 miles in the year they have to pay £165, but those which travel over 25,000 miles pay £410.

Recovery vehicles get taxed again according to the mileage that they travel. Like HGVs, those travelling between 3,500 and 25,000 a year pay £165, with £410 being paid for travelling over 25,000 miles.

Rigid and articulated goods vehicles are divided into rigid vehicles, trailer duty, two axled tractive unit articulated vehicles and three axled tractive unit articulated vehicles. Bands are denoted in the tables below, and the amount of money you pay is determined by these bands

Road tax is a tax designed to fairly spread the cost of repairing and building new roads throughout the road using public. As can be seen from the above statistics the DVLA try and match usage to charges e.g. A large articulated lorry does far more damage to the roads than a Fiat Punto does.

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