Getting a new '75' plate car? Here is a quick checklist of what you need to do

Picking up a brand-new 75-plate car is an exciting moment, but it’s easy to miss something in the rush. From paperwork for part-exchange to checking your car inside and out, being prepared saves stress on handover day. Our checklist covers everything you need to bring, what to look out for, and why extras like GAP Insurance, Tyre & Alloy Wheel Insurance, and Scratch & Dent Insurance are worth considering.

The 75-plate registrations are out from 1st September, and thousands of drivers across the UK will be heading to dealerships to collect their brand-new cars.  

It’s an exciting day, but it can also be a little stressful if you arrive unprepared.

To make things smoother, we’ve put together a practical checklist of what you should bring, what to check, and what extra steps to take before you drive away.

Bring the Right Paperwork

If you’re part-exchanging your old car, the dealer will expect certain documents:

• V5C logbook for the vehicle you’re trading in
• MOT certificate (if it’s over three years old)
• Service history/manual
• Spare keys and the locking wheel nut key
• Any original tools or booklets that came with the car

Don’t forget your own proofs and paperwork, too:

• Driving licence - (for ID)
• Proof of address - like a recent bank statement or utility bill
• Payment documents - finance agreement, or debit/credit card if you’re paying a balance

Prepare for Payment

If you’re paying a large balance on the day, make sure your bank is aware in advance.

Many dealers report issues with card payments being blocked for fraud checks. A quick call beforehand can save a lot of embarrassment and delay.

Check the New Car Thoroughly

Before you sign anything, take the time to look over your new car carefully:

• Confirm the model, trim, colour, and optional extras are exactly as ordered
• Inspect for scratches, dents, or wheel damage before leaving the forecourt
• Make sure you receive both sets of keys
• Check that all systems work – air-con, infotainment, Bluetooth, lights, windows, seat adjustments
• Confirm the service book is stamped with a pre-delivery inspection (PDI)

If you notice anything, please report it immediately. It’s much easier to sort before you’ve driven away, particularly if damage is present. If your car is new, it should be perfectly unblemished.

Insurance and Road Tax

Your car must be insured and taxed before you drive it. Some dealers will handle the tax for you, but be sure to double-check. On a new car, the dealer will tax and register it for you before you drive away.

Insurance needs to be arranged in advance for the collection date, whether that’s your annual policy or short-term cover to get you home.

Extra Protection to Think About

A new car is a big investment. Alongside standard motor insurance, many drivers now add specialist cover to protect against common issues that aren’t always included:

• GAP Insurance – If your car is written off or stolen, your insurer usually pays its current market value, which can be far less than you paid. GAP Insurance can cover a shortfall, protecting your finances from day one.
• Tyre & Alloy Wheel Insurance – Everyday kerb scrapes, pothole damage, or punctures can be costly. This policy covers repairs and replacements.
• Scratch & Dent Insurance – For those unavoidable car park dings and paintwork scuffs. Keeps your new car looking its best and helps preserve resale value.  

These products are often more affordable if arranged direct, rather than through the dealership, and can give you peace of mind during those first years of ownership.

Final Checks Before You Drive Away

• Ensure all paperwork is signed and correct - sales contract, finance agreement, and any warranty documents
• Remove personal items from your part-exchange vehicle before handing over the keys
• Ask the dealer for a quick run-through of the car’s features - from sat nav to safety systems
• Make sure you know who to call if there are any issues once you get home

In Summary

Collecting a new car should be a memorable moment for all the right reasons. Turning up prepared means less stress and more time to enjoy the handover. Bring the right documents, double-check the car before you leave, and make sure your insurance is in place.

And if you want extra reassurance, GAP Insurance, Tyre & Alloy Wheel Insurance, and Scratch & Dent Insurance can all provide added protection for your new purchase. At GAPInsurance123, we can help you find cover that’s clear, cost-effective, and designed for real-world motoring.

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