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:

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:

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.


Have you been questioned, charged or summoned with any motoring matter? If so, call Ashmans Solicitors in confidence now on 03330 096 275 (24hrs).

Our expert lawyers are here to provide you with the very best in legal advice and representation 24 hours a day. You can also use our free online enquiry form or email us at .

We will get back in touch with you quickly, no matter what time of day or night.


Send Your Enquiry


  • You need to protect your driving licence and we understand that
  • We can offer you our help wherever you are in the country
  • Our rates are competitive (legal aid does not apply in motoring offences)
  • We are the first choice for professionals who need help keeping their licence
More reasons to choose us  
Whilst traveling on my motorcycle and stationary at a roundabout I placed my foot on the road in order to stabilise my motorcycle, a third party vehicle squeezed past my motorcycle and in the process squashed me between the motorcycle and the car. I suffered a serious injury to my left ankle resulting in a fracture and requiring surgical treatment. I was off work for many months. I was recommended to Ashmans Solicitors through one of their previous clients. They pursued my case and to my horror the third party driver denied liability. As a result of Ashmans pro-active approach and investigative nature they managed to provide documentary evidence which confirmed that the third party driver was at fault for my injury. As a result of the complex nature of my injury and the long term effect on my livelihood they have been successful in obtaining a number of interim payments in support of my claim. Throughout the claims process they have been friendly, easily accessible and have kept me informed throughout the whole process. They have helped me to apply for benefits for which I had no knowledge of and without the assistance of Ashmans solicitors I would have suffered more than just my physical injury. I would recommend anyone to seek the assistance of Ashmans solicitors should they have the misfortune of being involved in an accident.
Continue reading  

Mr Tahir Sabri (London)