Driving without insurance

Driving Without Insurance in England and Wales

 

Understanding the Law

 

In England and Wales, it is a legal requirement to have at least third-party motor insurance to drive a vehicle on public roads. Driving without insurance is a serious offence under the Road Traffic Act 1988. This requirement ensures that drivers are financially responsible for any damage or injury they may cause while driving.

 

What Constitutes Driving Without Insurance?

 

Driving without insurance occurs when a person operates a vehicle without a valid insurance policy that meets at least the minimum required level of cover. This includes scenarios where the driver believes they are insured but the policy has expired, been cancelled, or does not cover the specific use of the vehicle.

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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.

 

Penalties for Driving Without Insurance

 

The penalties for driving without insurance are stringent to deter uninsured driving and to protect other road users. These penalties include:

 

• A fixed penalty of £300 and 6 penalty points on your driving licence

• If the case goes to court, an unlimited fine and possible disqualification from driving if you already have points on your licence and are liable for a disqualification under the totting up provisions.

• Seizure and possible destruction of the uninsured vehicle

• Increased insurance premiums in the future

 

Additionally, driving without insurance can lead to further complications if you are involved in an accident, as you may be personally liable for any damage or injury caused.

 

Defending Against Charges of Driving Without Insurance

 

If you are charged with driving without insurance, it is crucial to seek legal advice immediately.

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In these cases, the Court must impose at least six penalty points, unless there are “Special Reasons” for not doing so.

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Examples of Special Reasons can include:

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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.

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Special Reasons can be difficult to establish and supporting evidence may be needed.

 

With the help and advice of an expert Solicitor, you may avoid penalty points altogether and Joe Rawlings has successfully done so in many cases.

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Get in touch with Joe to get legal advice

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If you have been accused of driving without insurance, don't face it alone. Contact Joe Rawlings today for expert legal assistance. Joe specialises in defending driving without insurance offences and will work tirelessly to achieve the best possible outcome for your case.