Driving without Insurance

Updated on Friday 25th September 2020

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Driving without insurance in the UK is subject to penalties ranging from fines to possible driving disqualifications. In order to avoid this, drivers are asked to observe the legal minimum third party insurance requirements. 
 
If you were involved in an accident that caused damage or injury you will be asked to provide your identification details. However, if you do not have insurance, our driving offence solicitors in London can provide you with information and assistance on how to proceed further. 
 
Read below some of the most commonly asked questions about uninsured driving in the UK and reach out to us if you have any more questions or require specialized legal assistance. 
 

What are the penalties for uninsured drivers?

 
Our driving offence solicitors list the penalties for uninsured drivers below:
 
  • a fixed fine: this is a 300£ fine if you are caught by the police while driving uninsured;
  • penalty points: alternatively, if the police catch you driving uninsured you could receive 6 penalty points;
  • an unlimited fine: this applies if the case goes to court; our solicitors can assist you in this case;
  • disqualification: if the case does go to court, you could be disqualified from driving; this ban last between 6 months and 2 years depending on whether or not you get more penalty points within a certain period. 
 
The police has the power to seize the vehicle that has been driven uninsured. In some cases, the police can also decide to destroy the said vehicle.
 
The penalty can still apply if the vehicle itself is insured but the driver is not correctly insured to drive.
 
Our team of driving solicitors can give you more information on driving without insurance and the compensation that can be awarded to victims of uninsured drivers.
 

What are the main rules for vehicle insurance in England and Wales?

 
In England, Wales and Scotland, motor insurance for vehicles that are used on roads and public places is mandatory. Those that are not used in this manner are declared as kept off the road (for example, those that are kept in a garage). Failure to comply with the regulations can result in a fixed penalty of 100£, a court prosecution with a maximum fine of 1,000£ or the vehicle being destroyed or impounded. 
 
The registered keeper of the car is the one to receive the penalty even if he or she was not the one driving the car. The insurance will still be payable on top of any fines received for this offence. 
 
The minimum requirement is to at least have a 3rd party insurance when driving a vehicle on a road or in a public place. This type of insurance covers the driver in case of an accident that results in damage or injury to another person, animal or property. It is useful to note that this described type of insurance will not cover the costs related to repairing your own vehicle. Most drivers use an insurance broker in the UK.
 
Our team of driving solicitors can give you more information on the applicable regulations, the penalties or uninsured drivers as well as the powers of the police. 
 
Driving without Insurance


Are there any exceptions concerning uninsured vehicles?

 
A motor traders exception is in place for those vehicles that are registered as “in trade” with the Driver and Vehicle Licensing Agency (DVLA). This means that the vehicle is not subject to continuous insurance, however, for this to be possible the said vehicle needs to be used for the specified purposes.
 
The rules for vehicle insurance in Northern Ireland are different from those applicable in England, Wales and Scotland. We recommend seeking out information on the types of insurance covers before driving a vehicle in this area. 
 
Our driving solicitors can give you complete information on motor insurance and liability in case of accidents. We can help you understand how the insurance will protect you in case of injuries caused to people or damage to their property. Moreover, we can help you with complete counsel and legal advice and representation in those situations in which you were caught driving without insurance. 
 
According to a set of statistics from the Department of Transport, motor vehicle offences that involve license and insurance are not as numerous as speeding or other offence types. Below, our motoring offence solicitors highlight some of the data for recent years:
 
  • in 2018 there were 382,000 offences involving license, insurance and record keeping;
  • in 2017 this number was lower, at 364,000 offences; 
  • by comparison, in 2018 there were 2,295,000 offences involving speeding.
 
Are you in need of legal guidance concerning an insurance offence? Please contact our driving offence solicitors for complete information on how we can assist you.
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