Driving Without Insurance

Driving Without Insurance

Have you been given a Fixed Penalty or received a Court Summons for driving or using a vehicle with no insurance? Is your licence at risk?

The consequences of driving without insurance

Conviction for driving or using a vehicle without insurance (DVLA Code IN10) usually carries at least 6 penalty points, plus a hefty fine. If you are stopped by the Police and found not to have insurance, they will usually offer a Fixed Penalty of £300 and 6 penalty points. They may also seize your car there and then, leaving you stranded at the side of the road.

Offences include:

Driving without insurance, even if you didn’t know you weren’t insured;

Allowing or permitting someone else to use your vehicle if they aren’t insured;

Using a vehicle without insurance, even if you’re not driving and it’s just parked on the road.

In these cases, the Court has to impose at least six penalty points, unless you there are “Special Reasons” for not doing so. With the help and advice of an expert Solicitor, you may avoid penalty points altogether and we have successfully done so in many cases.

Call us today on 0161 834 9494. if you’re facing prosecution for driving with no insurance.

Richard Silver CTA

Special Reasons may apply if you have been misled into believing that you were insured.

Examples of Special Reasons:

Wrongly told by a family member or friend that you are insured to drive their car;

Insurance cancelled without your knowledge and not your fault;

Special Reasons can be difficult to establish and supporting evidence may be needed.  We have considerable experience of these cases and a very high success rate.

See more No Insurance Case Studies and testimonials.

If you think that Special Reasons may apply in your case, you should think very carefully before accepting a Fixed Penalty for driving with no insurance. You should seek legal advice before deciding, because once you have accepted it, you can’t change your mind. If you do want to argue Special Reasons you should not accept a Fixed Penalty.

If you reach 12 points for motoring offences, such as driving without insurance, committed within 3 years of each other, you are at risk of disqualification for at least six months under the totting-up system. If you are a newly qualified driver and receive just 6 points within years of passing your first driving test the DVLA will revoke your licence and you must re-take your test. Click here for the factors you need to consider and how we can help.

Use of uninsured vehicle by employee

A driver who uses an uninsured vehicle in the course of his employment has a defence, provided he shows that he neither knew nor had reason to believe that he wasn’t insured. We handle a number of cases like this with a very high success rate.