Home / Services / Road Traffic Offences / Driving Without Insurance

Driving Without Insurance

Specialist motoring law firm NGP have over 25 years of experience in dealing with road traffic offences, including driving without insurance.

The website states:

"It’s illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance. Even if the vehicle itself is insured, if you’re not correctly insured to drive it you could get penalised.”

The police can give an uninsured driver a fixed penalty of £300 and six penalty points - which could in itself mean the loss of your driving licence should it take you over the twelve point threshold - but if your case goes to magistrates court then the fine can be substantially more and the disqualification immediate. In certain cases, the police can also seize and destroy the vehicle.

Circumstances can have a significant impact on the outcome of your case, and the Magistrates Court sentencing guidelines indicate ‘higher culpability’ for offences where, for example, the driver has not passed their test, has given false details or persistently offended.

Unusually the onus is on the defendant to prove they did have insurance, rather than for the prosecution to prove they did not. However, at the court’s discretion ‘special reasons’ can occasionally be considered as mitigation, and cases can become more complex where fleet insurance is involved, or a policy has been cancelled without the driver’s knowledge.

Our specialist lawyers can also examine matters of police and prosecution procedure which, if not followed correctly, can have a bearing on the outcome of a court case.

It is in your best interest to enlist expert legal assistance as soon as possible as, whatever the particular circumstances of your case, you have the right to a fair outcome.

Contact NGP now without obligation, to discuss your case.