Motoring Defence

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. Driving with no insurance is a no no.

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

Motoring Defence Solicitors 

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.

Related : Caught Driving With A Mobile Phone 

Notable Cases : Insurance Fraud Peterborough Crown Court 

Contact us Now

You can get in touch with us in a number of ways. You can call us on 0333 009 6275, available 24 hours a day 7 days a week.

If you would prefer you can email us on or complete our Free Online Enquiry Form and we’ll be delighted to help you.

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Why Choose Us for Your Motoring Defence case?

  • We understand that you need to protect your driving licence.
  • We can offer you our help, wherever you are in England and Wales.
  • We are the first choice for professionals who need help with keeping their driving licence. We act on behalf of many other solicitors – and also doctors, teachers and vets who are facing a motoring offence. This is in addition to taxi drivers, lorry drivers and others who drive for a living.
  • We have access to experts who may be able to mitigate your motoring offence, such as speed detection experts, alcohol back-calculation experts and medical experts, too.
  • Our experienced motoring offences team has a reputation for achieving excellent results. We will put all of our collective experience behind you.
About Us

Notable cases

Your Justice is Our Mission.

Regina v L.F. Leeds Crown

The defendant in this case was a qualified Certified Accountant. She was originally arrested and interviewed for conspiracy to commit mortgage fraud totalling sums going into millions of pounds.

Read more about "Regina v L.F. Leeds Crown"

Operation Janitor

Operation Janitor was a large-scale VAT fraud investigated and prosecuted by SOCA. The fraud involved nearly 20 companies and abuse of the zero-rated vat reclaims system for new build properties.

Read more about "Operation Janitor"

R-v-T. A. Leeds Crown Court

In this case the defendant along with four others was charged with conspiracy to pervert the course of justice arising out of an accident in which a person died following a road traffic collision.

Read more about "R-v-T. A. Leeds Crown Court"

R-v-A. A. and others Hull Court

The prosecution allege that our client along with a number of other defendants has been involved in a conspiracy to transfer criminal property being valued in tens of thousands of pounds.

Read more about "R-v-A. A. and others Hull Court"

R V NF Bradford Crown Court 2009

A number of defendant’s in this case were charged with conspiracy to commit mortgage fraud and money laundering in of an overall sum approaching £1m.

Read more about "R V NF Bradford Crown Court 2009"

"Operation Caring Today" Preston Crown Court

Ashman’s Solicitors successfully secures acquittal in a high profile fraud and money laundering case.

Read more about ""Operation Caring Today" Preston Crown Court"

R - V - MD & Others Old Bailey

The defendant along with a number of others was alleged to have murdered the deceased arising as a result of a revenge attack.

Read more about "R - V - MD & Others Old Bailey"

R -v- AA & Others Huntingdon Crown Court

The Defendant, along with 4 others, was charged with entering into an arrangement to launder the proceeds of crime totalling in excess of £1 million.

Read more about "R -v- AA & Others Huntingdon Crown Court"

R -v- AN Bradford Crown Court

The Defendant, a Company Director, was charged with fraud by false representation amounting to over £660,000.

Read more about "R -v- AN Bradford Crown Court"

R -v- CV Leeds Crown Court

The Defendant was charged with fraud by false representation in relation to his role with two companies plus a further charge of theft relating to an alleged loss to David Brown Ltd said to be over £113,000.

Read more about "R -v- CV Leeds Crown Court"

R -v- SA Snaresbrook Crown Court

This was a highly publicised case involving the London Borough of Tower Hamlets. The Defendant was charged with fraud by false representation.

Read more about "R -v- SA Snaresbrook Crown Court"

R -v- TC & Others Operation Aquamarine Southwark Crown Court

The Defendant was charged with conspiracy to defraud Barclays Private Client International Bank by obtaining mortgage loans to which the Crown allege they were not entitled to.

Read more about "R -v- TC & Others Operation Aquamarine Southwark Crown Court"


Don't take our word for it

Ashmans Solicitors were completely professional in their approach from start to finish. They kept me informed of my case throughout and I was overjoyed with the outcome and service.

Jill Buckley
Read testimonials

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