Driving without insurance

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.