Driving without insurance

It is an offence to use (or cause / permit to be used) a motor vehicle on a road or other public place when there is not in force a policy of insurance or security against third party risks.

It must be shown that you were using a motor vehicle on a road or other public place. The burden then moves to you - to show that you were insured at the material time. This can normally be done by producing a certificate of insurance.

Problems may arise where you thought that you were insured but have now realised that you weren't. Whether you have intentionally, recklessly or negligently driven without insurance is not relevant. You will have committed the offence of driving without insurance.

Special reasons may however apply. Further instructions and advice should be provided in this respect.

Endorsement can, however be avoided if it can be shown that 'special reasons' existed for you having driven without insurance.

Penalty: The offence carries between 6 and 8 penalty points. Disqualification may be considered.

As well as penalty points or a disqualification, the court will also consider a fine (to a maximum of £5,000.00).

Contact our motoring law team for further advice and assistance.