The answer options
- If you are insured to use the vehicleCorrect
- If the insurance documents are in the vehicle
- If your own vehicle is insured
- If your vehicle has third-party cover
Why that is the answer
It is a legal requirement to be correctly insured before driving any vehicle on a public road. Never assume your own insurance policy allows you to drive someone else's car, as many policies do not include this cover. Even having comprehensive cover on your own vehicle does not automatically entitle you to drive another person's vehicle. Physical insurance documents do not need to be kept inside the car, but valid cover must be active.
How this comes up in the real test
Questions from essential documents appear throughout the 50-question multiple-choice section, and the wording changes between versions. Learn the rule rather than the sentence: the DVSA can ask the same point from the opposite direction, and a memorised answer falls over the moment the phrasing moves.
The pass mark is 43 out of 50, so seven wrong answers is your entire margin. If a whole category is shaky, run the topic practice below until you are getting every question right for the right reason, then go back to full mocks under the clock.
More essential documents questions
- A police officer requests to view your paperwork. They are not with you at this time. How many days do you have to produce them at a police station?
- Before you can legally use a motor vehicle on the road, what do you need?
- For how long is a Statutory Off-Road Notification (SORN) valid?
- For how long is an MOT certificate normally valid?
- The vehicle registration document will tell you what?
- In which of these circumstances should you have valid insurance on your vehicle?