It is an offence to use a motor vehicle on a road or other public place where the driver is not covered by third party insurance. It is also an offence for a person to cause or permit any person to use a vehicle without insurance.
We have an enviable record for defending motorists charged with driving without insurance and of avoiding the endorsement of penalty points.
Penalty for Driving with No Insurance
- Fine of up to £5000
- 6 – 8 penalty points or discretionary disqualification
As the courts take this offence very seriously, it is not uncommon for fines and points at the higher end of the scale to be imposed and for the courts to consider a period of disqualification.
Fixed Penalty Notices for No Insurance
In many cases you will be offered a fixed penalty notice of £300 and the endorsement of 6 penalty points. If you accept that you have committed the offence then you should accept the fixed penalty notice, producing your driving licence to the police within 7 days and paying the fine within 28 days.
If however, you do not believe that you have committed the offence or you think that you may have a “special reason” for avoiding the endorsement of penalty points, you should reject the fixed penalty notice and request a court hearing.
If you are unsure of whether or not you should accept or reject the fixed penalty notice, please contact us for a no obligation consultation.
Defences to a charge of driving a vehicle with no insurance?
There are a number of defences which may be argued against a charge of No Insurance:
- I had insurance
- I was not driving on a road or in any other public place
- I was driving in the course of my employment and held a reasonable belief that I was insured by my employer
We have successfully defended a large number of motorists on these grounds. If you think that any of these facts might apply to you then call us for a no obligation consultation.
Special Reasons for driving with no insurance
In some cases, whilst you may accept that you have driven with no insurance this might have happened through no fault of your own. For instance if your insurer cancels your insurance and you are unaware of this or you may have been led to believe by a third party (a parent, friend or your partner) that you were insured. In these cases we may be able to ask the court not to endorse any penalty points on the grounds of “special reasons”.
We have successfully argued “special reasons” and avoided the endorsement of penalty points in a large number of cases, including circumstances where a child has relied on their parent, a man has relied on his wife and also in cases where the policy of insurance has been cancelled without our clients knowledge.