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Driving Without Insurance

Using a vehicle without insurance

The law states that a person must not use a motor vehicle on a road or other public place unless there is in force in relation to the use of that vehicle by that person a policy of insurance.

Penalty points

6-8 Penalty Points, Discretionary Disqualification, and a fine up to £5000.

A lot of people get caught out in relation to insurance offences because they believe that their fully comprehensive insurance covers them to drive a vehicle owned by another person with their permission. A lot of fully comprehensive insurance policies do not actually have this type of cover.

It is also an offence to permit a person to drive your vehicle if they do not have insurance covering them for that vehicle.

Social and Business Purposes

A policy of insurance often refers to use for social, domestic and pleasure purposes. This does not cover for example a proprietor of a business travelling to meet a client, or for example if an employee was using their own vehicle to make a delivery for the company.

Defences

There are very few defences to driving without insurance. The only real defence is to argue that either you were not driving or that you were insured.

Special Reasons Arguments

If you were driving under the genuine misapprehension that you were insured at the time you may have a case of special reasons. If the court accepts your special reasons argument, they have a discretion not to impose penalty points.

If you or any member of your family is facing such a prosecution for driving without insurance, contact us today for free advice about your case.