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Driving With No Insurance


Driving without insurance is considered a serious offence, and it has equally serious penalties as a result. This is becoming an increasingly common offence, due to the prevalence of Automatic Number Plate Recognition (ANPR) cameras that can check registration numbers against the central insurance database instantly. The police do not need to stop motorists to check insurance details, and the first you may know about the alleged offence is when you receive a Fixed Penalty Notice or summons through the door.

Driving without insurance can be penalised using a Fixed Penalty Notice. The driver will have to accept that they were guilty of the offence, and accept a six point and £200 penalty. However, for serious cases and in cases where the driver would near the 12 point totting up disqualification, an FPN may not be offered. The courts have the power of harsher penalties, including up to 8 points and a fine of up to £5,000.

Every driver must have suitable insurance to cover them for driving on the roads, and it is strict liability offence to be caught driving without insurance. This means that, even if you reasonably believed that you were insured and can show this, you are guilty of the offence. In these instances, though, you may still be able to avoid the penalties associated with driving without insurance by showing that there were special reasons for the offence.

Strictly speaking, there is no defence for a strict liability offence – you are either guilty or not guilty of driving without insurance. However, if it can be shown that you had reasonable belief that you were insured, and that you had reasonable grounds to believe so, then you may be able to claim special reasons. While you will still be found guilty of the offence, this means that you could avoid having points added to your licence and you may not have to pay any fine.

Proving special reasons can be tricky, and you will need the help of a specialist motoring law firm to assist. Furthermore, if the receipt of six points on your licence means that you will reach 12 points or more, then you should consult with a motoring law specialist to see if it is possible to avoid a driving disqualification under the totting up procedure.

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What To Do Now?

We have helped many people who faced road traffic offences in the courts. With our experience, we have helped save driving licences for people who rely on their cars for work and family.

We are experts in our field. We are not judgemental and only want to offer you the best advice and representation when you are facing the courts and a possible disqualification from driving.

Contact us today by clicking here or calling 0800 999 5535 and speak to a specialist Road Traffic Solicitor. We will be able to talk you through your case and advise you on what to do next.

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