Driving without Insurance

About Insurance

Getting insurance on your car should be the first thing you do if you intend to drive it on public roads. Legally, you have to have an eligible driving licence, MOT and insurance on your car. Driving without insurance is a serious offence, and can lead to some substantial penalties. There are different types of insurance policies that you can get, however, the minimal insurance policy you need to have on your car is a third-party insurance policy so that if you have an accident with another vehicle, your policy can cover any damages caused to them.

The police can easily identify whether you are driving on the roads without an eligible policy by using their technology. There is a small chance you won’t get caught driving without insurance on the roads.

The only time you will not need an insurance policy is when you are not using your car on the roads, or private property. In that case, you must do a Statutory Off Road Notification (SORN), and you have to notify the DVLA when you are planning on using your vehicle on the road again, during which you’ll have to get a minimum of a third party policy again.

Penalties for driving with no insurance

Driving without eligible insurance can come with some pretty hefty fines, which can be a huge inconvenience in your everyday life. The penalties for driving without insurance can lead to an unlimited fine, 6-8 points on your licence and in more serious cases even a discretionary disqualification from driving. The severity of fine and penalty points depends on the severity of the offence, and a driving disqualification can be a huge inconvenience in your day to day life, especially if driving is a big part of your daily routine.

Driving without insurance offences

Driving without minimum third party insurance is a very severe offence, even if you have been driving without insurance by mistake, you can still be convicted of driving with no insurance. There is a range of offences that can be classed as driving without insurance, including:

  • Not realising your insurance has expired
  • Not having the right insurance cover for your particular vehicle
  • Allowing other people to drive the vehicle without correct insurance
  • Not keeping off the road after submitting a SORN

Other consequences of driving without insurance

If you get charged with driving without insurance, more serious motoring offences can lead to a criminal record. A criminal record, especially for serious offences, does not look good to a future employer, and this can reduce the chances of you getting a job in the future. Offences like this can also have a big impact on your insurance premiums and can make them considerably higher, adding unnecessary costs to your day to day life.

What should I do if I have been found driving without insurance?

Because of the seriousness of the offence, if you have been found driving without insurance, you can face some pretty hefty fines and other penalties. If you have been charged with driving without insurance offence, we highly recommend that you contact one of our solicitors. With our extensive motoring offence expertise, our lawyers can help you explore all our options to get the best outcome possible for your particular case.

There are some cases during which the offence was a genuine misunderstanding and the court may be sympathetic for a particular case, for example; if your insurance has been cancelled without your knowledge. Our experienced solicitors can help you fight your case and make sure you can get back to your day to day life in no time, in the most stress-free and easy way.

Have you been charged with a motoring offence?

If you have been charged with a motoring offence, contact Solicitors On Your side now to help you lower your motoring offence penalties. We understand that these situations can be very time consuming and stressful but at Solicitors On Your Side, we will try to make the process as quick as possible.

Get in touch with us

Get in touch with us now if you have been convicted of a motoring offence, remember that there are always better options out there!

Contact our solicitors now!

Contact us now. Solicitors On Your Side can offer you free advice and consultations.

Contact us today by phoning 0330 912 2124, emailing [email protected], or by using our website by filling out an online form.

If you would like to find out more about recent law changes and news, make sure to visit our Latest Articles page. Our latest articles also cover a range of other topics, such as; motoring offences, personal injury claims, medical negligence claims, occupier’s liability and more.

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