Driving with No Insurance

It is an offence to use a motor vehicle on a road or other public place where the driver is not covered by insurance.  It is also an offence to cause or permit any person to use a vehicle with no insurance.

Driving with No insurance is a strict liability offence.  This means you can be guilty of the offence even if you had no intention of committing it.

Sentencing for No Insurance

  • Penalty – 6 to 8 penalty points may disqualify
  • Fine up to £5,000

Special reasons for driving with No Insurance

No Insurance is a strict liability offence. So if you are stopped by the police in a public place without insurance then you are guilty of the offence.  However this does not mean your licence has to be endorsed with penalty points or that you have to be disqualified from driving.

If you have committed the offence without knowing you may be eligible and able to argue special reasons (click on the link to read about special reasons)  This is a very specialist area, if you feel this may apply to you then feel free to contact us to discuss further.