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Driving without insurance

Driving without a valid policy of insurance is what we call in the profession an 'absolute' offence. You either have a current certificate of insurance or not. Insurance of course may be invalidated by action or lack of action. This may be by not informing the insurance company of relevant factors, such as points or convictions or by misinformation or lying.

How we can help


  • £5,000 maximum fine
  • 6 – 8 penalty points or disqualification from driving

How we can help you…

It is an offence to drive a motor vehicle on a road or public place without a policy of insurance in place.
Our Team motoring law experts will look at all the factors in order to fully adise. Defence cases may include:

  • The vehicle was not being ‘used’ at the material time
  • The vehicle was not being driven on a road or other public place
  • Special reasons may also exist, for example where a driver is genuinely misled into believing that there was a policy in force

If being charged is unavoidable, then we will try to use your personal circumstances to minimise a fine, ban or points.

This is why it’s always advisable to seek the advice and representation of law firm such as ourselves.

Notable Case
  • A defendant was accused of driving without insurance. A not guilty plea was entered and the case adjourned for a Special Reasons argument. During the hearing, the defendant stated that she had been misled by her husband into believing that she was insured to drive the vehicle at the material time. Further documentary evidence was produced to support our defence case. Successfully, special reasons were found and our client avoided any penalty points being endorsed on her licence.

Get In Touch

M23Law provides specialist support for those accused of any motoring offence.

We are not solicitors. Instead, we provide a streamlined connection and management service to our direct access road traffic barristers. So, how does that benefit you?

Fixed Fees – Clear quotes before action

Modern – Streamlined for a simple process

Admin – You benefit from our admin support throughout

Focused – We do not deal with any other area of law

Speak To Our Team

To get started, contact us via phone, email or by submitting a contact form.

We’ll then organise an initial consultation to discuss your case in more detail, before advising on the best route forward.