Driving Without Insurance

You might be surprised to learn that driving without insurance is regarded as one of the more serious offences with fines of up to £5000 and a minimum of 6 penalty points.  It’s also one of the offences that is easiest to commit without even realising. If you find yourself being prosecuted for driving without insurance, we recommend you give our experienced legal team here at Motoring Defence a call to get some advice on how to proceed.

The first thing to be aware of is that the database the police use to check insurance is not always 100% accurate.  If you’ve got a valid certificate, then it should be possible to resolve the situation without going to court.

It may also be that the vehicle is insured under a motor trader’s policy or some other third party cover so it’s worth double-checking even if you don’t have your own certificate yet.

If the vehicle isn’t insured then the only real way of defending yourself against a fine and even a potential disqualification period is to provide special reasons to the court why you ended up driving with no insurance.  This is where you’ll need good legal advice and representation.

Special reasons can include being misled about the actual state of the insurance.  This is quite common in family’s where one member has told the other that they’re insured as a named driver but actually they’re not.  It can even be used where the wording of the policy is confusing or ambiguous.  It’s also possible to present a good defence where your employers has told you you’re covered by their insurance and that turns out not to be the case.


If you’ve been accused of driving without insurance call us.  We’ll be glad to offer you the benefit of our years of experience.