1. Understanding your legal responsibilities

As a car owner in the UK you must keep your vehicle taxed, insured and MOT’d if it’s used on public roads. Failing to do so can lead to fines, penalty points or even your car being seized. Knowing the basics keeps you on the right side of the law.

2. Insurance: choosing the right cover

There are three main levels: third party only, third party fire & theft, and comprehensive. Consider the car’s value, how you use it and your budget. Also look at voluntary excesses, courtesy car provision and breakdown cover. Cheap policies aren’t always the best value long‑term.

3. Tax, MOT and SORN

You must pay vehicle tax and ensure your car has a valid MOT certificate once it’s over three years old. If you’re not using the car and keep it off the road, you can register a SORN (Statutory Off Road Notification) instead of taxing it. Set reminders so you never miss a renewal date.

4. Routine servicing and maintenance

Regular servicing keeps your car running smoothly and helps prevent breakdowns. Follow the manufacturer’s service schedule for oil changes, filters, spark plugs and other items. A stamped service book or digital history also makes your car more attractive when it’s time to sell.

5. Keeping your car’s value up

Simple habits like washing the car, fixing minor damage promptly and keeping the interior clean can slow down depreciation. Avoid unnecessary modifications that could put buyers off. Store service and repair invoices in a folder so you can prove the car has been cared for.

6. Fuel economy and driving style

Gentle acceleration, smooth braking and keeping tyres at the correct pressure all help improve fuel economy. Removing roof racks, heavy clutter and under‑inflated tyres can make a noticeable difference to running costs over a year.

7. Keeping records and receipts

Keep a file with:

• Purchase documents
• Service invoices
• MOT certificates
• Major repair receipts

This paperwork will help you if you ever need to make a warranty or insurance claim and will increase trust when you sell the car.

8. Dealing with breakdowns and emergencies

Consider joining a breakdown service. Keep basic items in the car: warning triangle, high‑vis vest, phone charger and emergency contact numbers. If you break down, move to a safe place away from traffic and follow the advice of your breakdown provider.

9. When your circumstances change

If you move house, change your name, or someone else starts using the car regularly, update your insurance and logbook. If your annual mileage drops a lot, you may be able to reduce your premium. Keeping details up to date avoids problems if you need to claim.

10. Getting ready to sell or trade‑in

When you’re approaching the end of your time with the car, start planning early. Fix any minor issues, gather your documents and consider having it valeted. A tidy, well‑maintained car with a clear history will usually achieve a better price and sell more quickly.