Driving illegally without insurance uk

As a driver of a motor vehicle you are required to ensure that you have insurance in place to drive the vehicle.

If found guilty of driving without insurance you may face a fine, penalty points or even disqualification depending upon the circumstances.

Understanding your insurance cover can be confusing. Our motor law experts have represented clients across the UK, who were unaware that their insurance cover was inactive or incorrect.

It is important to review your insurance policy to ensure you are sufficiently covered. Even if you have ‘Fully Comprehensive’ insurance cover, it does not provide you with the green light to drive any other vehicle. Be aware of the conditions within your policy.

With the Just Motor Law service you have access to a specialist team of solicitors who carefully examine the circumstances surrounding the allegation all with the aim to establish a defence that could mitigate any potential penalties.

Driving Without Insurance

It is illegal to use, cause or permit someone else to use a motor vehicle on a road or other public place, without a valid policy of insurance in relation to the user.

The insurance policy must be at least third party to indemnify other road users for accidents or personal injury.

Penalties can vary depending upon the circumstances of the offence. Penalties can include:

• A fine of up to £5000;
• Six to eight penalty points or the Magistrates have the discretion to disqualify you from driving for up to 56 days;
• If you have been driving for two years or less, your licence would be revoked, unless Special Reasons apply, and you would have to retake your test. Retaking your test is a costly exercis;
• If you already have nine or more points on your licence then you will tot up and the Magistrates will consider disqualifying you from driving for a minimum of six months, unless Special Reasons apply or a disqualification would cause Exceptional Hardship.

A driving licence can be an essential part of day to day life, whether you are a designated driver for dependents or require your licence for employment - losing it could have lasting consequences.

Employees – Special Defence

Often allegations of driving without insurance occur where an employee uses a company vehicle under the assumption that they are insured via their employer but the employer has failed to insure the driver correctly.

A defence may be established if it can proven on the balance of probabilities that:

• Your didn’t own the vehicle;
• You were using the vehicle as an employee in the course of your employment;
• The vehicle was in your possession under a hiring contract or on loan to you and that you didn’t know, and had no reason to know, that you were not insured to drive the vehicle.

Freephone: 0800 525 035
Twitter: @justmotorlaw

[ilikelampshades]

Car insurance is legal theft. Disgraceful. Trains, planes, rental cars are that insanely expensive a car is the only way of travelling long distance. Then we pay insane car insurance prices and 80% tax on fuel. I'm going to write to my MP about this.

[jamesnick]

Got stopped today for driving a customers car without insurance, I started a detailing business not long ago and some clients can’t make it to me so I collect the car, Lindt story short I got caught up in a check point, car got impounded over insurance, I didn’t have my driver lisense on me aswell, I have 10 days to bring my liscence and proof of insurance to to Garda station, officer never mentioned anything to me about court

[Vanadeo]

I always thought insurance was a scam... Having now been on the road in my own car and my instructor's car for a few months and witnessed some of the complete bellends on the road, it has begun to make sense why premiums are so high. I can't even enjoy a slow drive on a quiet country road without some dickhead up my arse with big bright alien lights wanting to do 80mph in their seat leon or audi >.< .. Then you have all the classics, pulling out of junctions without looking, one lass on a roundabout was looking at her nails and nearly went into me, all that good stuff.

[jaycam]

Depends what law your talking about and if you consider your driving or traveling conveniently you forgot to say this!

[manufacturingdissent]

when I started driving my car had been cut in half & put back together again, I had a provisional lic', and it was 200 odd quid for the year, after passing test and driving for a number of years without killing or maming anyone the policy crept up to 350 a year, now I after many years of not bothering with a car I need to get one, I bought a yaris thinking 30quid tax, find out it's 130, try to insure with admiral for 3k max a year they wanted 1200 quid. Now various excuses for the increased costs, parts & labour, uninsured drivers, parts & labour(yes LV mention it twice on their website) Double accounting? All I know is the 14 year old car I have now is better & cheaper than the car I had 25 years ago...but the cost of parts & labour of every body elses cars....I know I will not be claiming for my car. Now I dont have many years to live & we can see the way it's going with Travel....the perview of the rich....but now I discover it's already happened with driving in the UK. Funny how if your abroad you can walk into hire shop flash your lic & passport....NO INTRUSIVE QUESTIONS, NO SHARING DATA WITH PARTIES THAT YOU HAVE NO SAY OVER WHO THEY THEN SHARE YOUR DATA imagine driving uninsured and some insured COPPER hits your rear quarter, surely he should pay for the damage, as he knew you where uninsured but did it anyway. The Crime should be Hitting someone, not the driving.

[kindofrandom]

My friend hit a pedestrian without insurance....what could the penalty be for that?

[peterpiskor]

Let’s say I get 6 points when I had my licence for 1 year and 9 months and don’t get stopped for driving without insurance (6points). I receive letter and plead not guilty. Now I had my licence for over two years and still haven’t recieved a letter from the court. Does that mean they can’t take my licence no more because it is date of conviction and not date of the offence?

[Ahuntsicspotter]

This is UK and in UK its not possible to drive without insurance.

[zynxonlzynx]

is having no car insurance a crime? an if not a crime how can they prosicute if there are no victims. if you go to court you have to have a injured party. so who is the victim when they take you to court?

[zynxonlzynx]

and please remeber the police can not be a victim off such affences

[Dtigernumber]

hi.. i need advice on uninsured vehicle penalty. i got a penalty letter from dvla asking for £100 penalty. said I was not insured on 23/09/2022.
I bought my vehicle on 16/09/22 and taxed it same day. The dealer delivered it to home. so i never drove that vehicle. then I was getting quote from insurance company. as a new driver, insurance seemed too high and having financial problem.
suddenly got a letter that they couldn't get issue V5C as the Green Keeper slip was old and not valid. I asked dealer and show him a dvla letter. then he paid £25 to dvla and said I should have my V5C soon. I asked some people and they said maybe the vehicle doesn't have a logbook.
so I was afraid to do insurance. thought to wait for V5c then I'll insured. though I got a best quote from RAC so i didn't delay and got insured on 06/10/2022. also, few days ago I received my V5C certificate.
now today I received £100 penalty letter from dvla. I don't mind to pay £100 so i paid. but I'm so worried about points on my license. can I get points on my license or not?
should I explain this to dvla or not?

[solouzair]

I’m getting 4K insurance quotes on a 1.2 corsa

[imanboostyt]

I'm wondering if you get a self driving car. Who pays insurance?

[PsychicMediumHealers]

WE ARE FREE TO TRAVEL NICE TRY KANGAROO COURTS 😂😂😂

[ryangreene]

but by definition a driver is someone who solicits from his/her vehicle, a traveller does not the act, not laws as there is no law that says you must have insurance, only an act saying drivers, in court its down to the court to prove you are a driver

[Oreox]

Erm I got caught driving my brand new car home from where I bought it, with a provisional license and no insurance, they took the car away and haven't contacted me in 3 months, does anyone know where I go from here? Lol.. Can I still take my driving test? Who knows

[thehuman]

Everything he has said is based on that you have consented to a driving licence/have one IE a contract, it is not an unlawful offence to operate a motor vehicle on pubic roads without a driving licence, so this means also it is not unlawful to not have MOT road tax or insurance, though i would always make a contract with a car insurance company as accidents do happen and its right to give comparison to our follow humans.

[davidmcarthur]

Driving is a privilege..travelling is a right

[insurancefeeder]

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