No Insurance 

Driving without valid motor insurance is an offence under section 143 of the Road Traffic Act 1988. It applies when a person drives or allows a vehicle to be used on a road or public place without at least third-party insurance in place.

The offence typically carries six to eight penalty points, a fine, and in some cases a driving disqualification. Your vehicle may also be seized by police. The exact outcome depends on the circumstances and the driver’s record.

Our experienced motoring law team provides comprehensive legal support. From advising you after a roadside stop to preparing a strong defence in court, we work to protect your licence and achieve the best possible result.

Remain calm and cooperative but avoid making admissions. Provide the requested documents where possible and seek legal advice as soon as possible before making any formal statements.

Yes, it is generally considered a strict liability offence, meaning a genuine mistake may not automatically prevent prosecution. However, in some situations a defence may exist, particularly if you reasonably relied on insurance arranged by another person.

That may support a defence in some cases. Evidence of what you were told and why you relied on it will be important. 

Yes. Police have powers to seize and potentially dispose of vehicles being driven without valid insurance. Recovery and storage fees are usually payable before a vehicle is released.

Yes. It can increase premiums, make cover harder to obtain and remain on your driving record for years.