You need car insurance if you drive a car. If you want to drive a mates car but your already insured you also need to have insurance to drive your mates car. However, if you do not plan to drive the car you do not need car insurance, if the car is not going to be driven you could also take the car off road and their will be no need to pay road tax for it, as long as the car is not on the road.
The penalty's for driving without insurance is 6 points, £120 fine and you could also get your car impounded as well as, getting your licence revoked by the DVLA.
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