Caught Without Insurance
You are required by law to have motor insurance on any vehicle which is being driven on roads or in a public place. This insurance must be 3rd party cover as a minimum. Insurance must be in place if you are a registered keeper of a vehicle or the vehicle must be declared off road using SORN (Statutory Off Road Notification), otherwise you may be prosecuted.
If you have been caught driving with no insurance, you are likely to be concerned about what is going to happen and what penalties you will be facing. If you need your driving licence for your job, the ramifications of this offence may be serious.
We do understand your concerns, particularly if your job may be on the line. We can help you to appreciate your legal position and the ways in which you may be able to defend against this offence.
What Are The Penalties For Driving With No Insurance?
Regardless of who is driving the vehicle, if it is identified on the road without a valid insurance policy, you may be prosecuted as the registered keeper. If you have allowed someone to use your vehicle without a valid insurance policy in place you could be prosecuted too.
There is only one exception to this, which is if you have a motor trade policy in place which allows you to drive any vehicle even if it has no insurance in place.
There are now many more ways in which the police can identify vehicles with no insurance in place, such as automatic number plate recognition and the penalties are steeper too.
If you are stopped and you are charged with the offence of driving with no insurance at the roadside then you will face:
- A fixed penalty notice which includes 6 penalty points and a £300 fine
- Your vehicle may also be seized and crushed by the police
However, if you have been persistently caught driving with no insurance or if your offence is serious, you may be summoned to court: The penalties you face if summoned to court are:
- A maximum fine of £5,000
- 6 penalty points on your driving licence
- You can be disqualified from driving if the magistrate decides it is appropriate
- If you are a new driver, your licence will be revoked and you will need to retake your driving test before having a full licence again
- If you have 6 or more points on your driving licence, a further 6 penalty points would result in totting up the maximum 12 points on a licence, which results in a driving ban
- Due to this the Magistrates will consider disqualifying you from driving for a minimum of 6 months
How Can Ashmans Solicitors Help?
We do understand how stressful it is for you to be facing this motoring offence but if you choose Ashmans Solicitors to help you, we will do all we can to take the stress out of the situation and provide you with a clear idea of how to move forwards.
Our firm has a dedicated an professional motoring law team who are on hand to help you 24 hours a day, 7 days a week. We also have a network of solicitors throughout England and Wales, so wherever you are, we can help.