The Road Traffic Act states that any person who uses or permits a vehicle to be used on “a road or other public place” must have the minimum of third party insurance cover.

You do not have to have insurance if the private land is an area to which the public do not have access. However, you would need insurance if the vehicle is on private land to which the public do have access. This can include “private” car parks, campsites, private estates etc. The term “public place” is far more wide ranging than most people appreciate.

Speak to your insurers or alternatively, you can check whether your vehicle is on the Motor Insurance Database online: