Driving without Insurance

Sugare & Co have specialist motoring law solicitors who can assist you with this complex area of law. Get in touch with us to discuss your case for free.

What is the law regarding driving without insurance?


It is a requirement for anyone who uses a vehicle in a public place / road to have a valid insurance certificate. This includes vehicles that are not driven.

Driving without insurance is a strict liability offence, i.e you will be guilty of an offence if you don’t have valid insurance. However, our solicitors have years of experience persuading the Court that there is a defence or that special reasons apply, which means that there will be no penalty imposed.


What is the penalty for driving without insurance?

The minimum penalty is 6 points and a fine.  The maximum penalty is disqualification from driving and a fine of up £5,000.

If there is no insurance in place then it might be possible to persuade the Court that special reasons apply. Some examples include:

  • The car was owned by their employee and they didn’t realise they were insured.
  • The insurance had been cancelled without their knowledge
  • A friend / family member told them they were insured

Our experienced solicitors have the skill and knowledge to keep your penalty to a minimum.

Get in Touch

For expert advice on Motoring Law call Sugaré & Co on 0113 244 6978 / 0773 667 6691 (24/7) or use our online enquiry form and we’ll get back to you.