Driving Without Insurance Solicitors
Have you been given a Fixed Penalty or received a Court Summons for driving or using a vehicle with no motor insurance? Is your driving licence at risk?
The consequences of driving without insurance
Driving with no insurance in the UK can have severe consequences for both the driver and other road users. First and foremost, it is illegal and carries significant penalties. If caught driving without insurance, the driver could face a fine of up to £5,000, and their motor vehicle may be seized. Additionally, if the case goes to court, the offender may receive penalty points on their driving licence, leading to a potential driving ban altogether. Moreover, driving without insurance can also result in higher insurance premiums in the future, as insurers consider such drivers as high-risk individuals.
Beyond personal repercussions, uninsured drivers pose a considerable risk to others on the road. If involved in an accident, the costs of damages and injuries will not be covered by insurance, burdening innocent victims and potentially leading to lengthy legal battles. Overall, driving without insurance in the UK not only puts the driver at significant financial and legal risk but also endangers the safety of other road users. Therefore, it is essential to ensure that all vehicles are adequately insured before taking them out on the roads.
Driving without insurance 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.
Is it a Criminal offence to have driven uninsured
Yes, driving without insurance is a criminal offence in the United Kingdom. It is a serious offence under the Road Traffic Act 1988, and the Motor Vehicles (Compulsory Insurance) Regulations 2003 require all drivers to have at least third-party insurance coverage in order to legally drive on public roads in the UK. If you are caught driving without insurance, you could face penalties such as fines, points on your driving licence, and even potential disqualification from driving. The severity of the penalty can vary based on the circumstances and the discretion of the court, but it’s important to have proper insurance coverage before driving in the UK to avoid legal consequences.
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.
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 representation from specialist solicitors 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 notice.
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 or a company car in the course of their employment has a defence, provided they show that they neither knew nor had reason to believe that they weren’t insured. If you are caught driving a company car without insurance, you could face penalties such as fines, points on your driving licence, and potential disqualification from driving. The company itself could also face legal consequences if it is found that they allowed an uninsured driver to use their vehicle. We handle a number of cases like this with a very high success rate.
Contact our Motoring offence solicitors
For more information about our Fixed Fee Pricing for Motoring Cases please click here or speak to one of our driving offence solicitors today through our online contact form.