Cars and driving in England: sales, accidents, parking tickets and claims

For a former keeper in the UK who sold or passed on a vehicle but is still shown on DVLA's record and is getting reminders, a late licensing penalty or fines for it. If you still have the log book (V5C), tell DVLA first with GOV.UK's free online service, which updates the record at once. The letter is for what that cannot fix: it gives the date and time of the sale and the new keeper's details, says how DVLA was told, and asks DVLA to correct its record and stop action for the time after the sale. Sent first class to the address on DVLA's letter.

For the registered keeper of a vehicle in Great Britain who has received a notice under section 172 of the Road Traffic Act 1988 asking who was driving, usually with a speeding or red-light notice of intended prosecution. Fill in the police form sent with the notice, then send it with this letter, which names you or another driver, names the keeper if you had sold the vehicle, or explains what you did to find out. Reply within 28 days: failing to name the driver is an offence carrying six penalty points and a fine.

For a policyholder in the UK unhappy with how a car insurer has handled a claim: a delay, a low offer, a refusal or a write-off valuation. The letter sets out the complaint and what you want, and reminds the insurer that under the Financial Conduct Authority's rules it has eight weeks to send a final response. If you are still unhappy, or eight weeks pass, you can take the complaint free to the Financial Ombudsman Service within six months of the final response. Send it by email and keep a copy.

For the keeper of a vehicle in England or Wales who has received a council's Notice to Owner, or a penalty charge notice (PCN) by post from a camera, and wants it cancelled. The letter makes formal representations on one of the grounds printed on the notice — the contravention did not occur, you were not the owner, procedural impropriety and the others — with the facts, the evidence and any compelling reasons. It must reach the council within 28 days of the notice being served; the council's free online form does the same.

For the registered keeper of a car in the UK who lends it to someone, most often for a trip abroad, where officials may ask a driver who is not the keeper for proof of the keeper's permission. The letter names the keeper, the driver, the vehicle, the dates and any countries, and says which insurance covers the driver. It gives permission only: insurance, not a letter, decides who may drive. A hired or leased vehicle needs the company's vehicle on hire certificate (VE103) instead.

For the driver or keeper of a vehicle given a council penalty charge notice (PCN) for parking in England or Wales who thinks it is wrong and has not yet received a Notice to Owner. The letter gives the ticket's details, the reasons it should be cancelled and the evidence. Councils generally hold the 50% discount while they consider a challenge made within 14 days. The council's free online challenge form does the same job; this letter suits post or email. Not for private car park tickets or police fines.

For a consumer in England or Wales who bought a used car from a dealer and found a fault. Under the Consumer Rights Act 2015 the car must be of satisfactory quality for its age, mileage and price, and as described. The letter describes the fault and asks for the remedy you choose: rejection and a full refund within 30 days of delivery, a repair or replacement, or, after a failed repair, a refund or a price reduction. It is a letter before claim: 14 days to reply, then the County Court. Not for a private sale.

For a driver or rider in England or Wales whose car, motorbike or bicycle was damaged by a pothole. The letter tells the highway authority (usually the council) when and where it happened, the damage and the cost, and holds it liable for failing to maintain the road under section 41 of the Highways Act 1980; if it relies on the section 58 defence, it asks for the inspection and repair records. A letter before claim: 14 days, then the small claims track. Most authorities also have a free online claim form.

For two private people in the UK selling and buying a used car, van or motorbike. It records the vehicle, the price, the time the keys changed hands, the mileage and the faults the seller knows of, and has a receipt for the money. Selling “as seen” does not let a seller misdescribe the car. A private sale needs no tax and no form: the seller tells DVLA online the same day and gives the buyer the green new keeper slip from the log book (V5C). Both sign; each keeps a copy.

For a driver in Great Britain after a collision: one place to write down the other driver's name, address, vehicle and insurer, the time and place, what happened, the damage and the witnesses, while the details are fresh. Each driver keeps their own record and sends it with the insurance claim. It is not an admission of fault. A driver who does not give their details at the scene must report the accident to the police as soon as possible and within 24 hours at most (section 170 of the Road Traffic Act 1988); this record does not replace that report.