Unless you apply for a Statutory Off Road Notification (SORN) for your car, you’ll need to insure it. This applies even if you’re disqualified.
The Motor Insurance Bureau (MIB) regularly compares the DVLA’s data with records from the Motor Insurance Database (MID). If the authorities have reason to believe that you’re the owner of an uninsured vehicle that hasn’t been registered as ‘off the road’, you’ll receive a letter telling you to take action.
If you ignore the letter, you’re likely to get a fixed penalty of £100 – and you could be fined up to £1,000 if the case goes to court. The uninsured vehicle could be clamped, seized or even destroyed.