Driving Without Insurance

Driving without insurance
Legally reviewed by: Kevin Waddingham

If you’ve been accused of driving without insurance, benefit from the trusted experience of Cartwright King’s Motoring Offence Solicitors to protect your driving licence and keep you on the road. Our specialist solicitors will carefully inspect the evidence against you to help clear you of wrongdoing or limit action against you.

Get in touch with our Driving Offences team now for fast, efficient and effective legal advice.

How Cartwright King Can Defend You Driving Without Insurance

Cartwright King takes a non-judgemental approach to your case. We care about what happens to you, which is why we offer honest, reliable legal advice to ensure that the best possible action is taken to help clear you of driving without insurance accusations.

We can help with the following insurance issues:

  • Cancelled or expired insurance
  • Vehicles driven by another party
  • Car not in use
  • Insurance for company cars
  • Expired MOT certificate
  • Mitigating circumstances/special reasons

Benefit from speaking to one of our Driving Without Insurance Solicitors

If you have been charged with driving without insurance and you face getting points on your licence and/or disqualification, you can benefit from a free, initial telephone call with a specialist Cartwright King Driving Offence Solicitor to assess your options.

For immediate action, contact us today for a no obligation initial discussion.

The discussion is completely informal and confidential, and is an opportunity for us to:

  • Get to know you and your situation
  • Agree on how you want to proceed

Why Choose Cartwright King for Driving Without Insurance Offence Defence?

Having one of our experienced driving without insurance solicitors representing you, is often the difference when it comes to avoiding points on your licence or a driving ban.

Working with a specialist Cartwright King driving offence solicitor gives you the assurance of having access to legal counsel who will advise you whenever you need it. After all, getting charged with driving without insurance can affect many aspects of your life, so it’s only natural you’d like someone to support you during your journey.

We’re a trusted, resourceful Legal 500 top tier law firm with specialist driving without insurance solicitors that are calm under pressure, giving you defence counsel that you can count on.

We're here for you.

Frequently asked questions.

What Is Car Insurance?

To put it simply, car insurance is insurance for cars – nothing more. Its purpose is to protect all relevant parties if an accident happens – however, different types of insurances offer different levels of protection.

According to law, every person registered in England and other parts of the UK as a driver and using a vehicle has to have insurance. The most common types are:

  • Third party – this is the most basic insurance allowed by law. It doesn’t matter if you drive your car every day or once a year – if you are getting behind the wheel, you need to have at least this level of insurance. Third party car insurance covers damages caused to other vehicles taking part in the accident, as well as any compensation that might be needed for those involved. It doesn’t, however, cover damage caused to your car, nor will it compensate you for your injuries.
  • Third party, fire and theft – this level of insurance is slightly more comprehensive than the one we mentioned above. It covers everything regular third party insurance does, but it also covers you in case a fire or theft of your car happens.
  • Comprehensive insurance – this type covers everything the two above mentioned do. Additionally, it also covers you and your car in case of an accident.

I Was Stopped By the Police For Driving Without Insurance. What Happens Next?

Because of the number plate recognition cameras, the police know when someone is driving without valid insurance.

In cases where you were caught driving without insurance, stopped by the police and asked to show your documents but were unable to, you have seven days to provide them with a document confirming having valid insurance in place. Remember that it has to be valid at the time you were stopped – you can’t just buy new insurance within this seven day period. If you fail to do so, you will have to face the consequences.

How Many Points for Driving With No Insurance?

The number of points on your driving licence for no insurance will depend on the severity of the offence but it will be a minimum of six.

What Are the Consequences of Driving Without Insurance?

Driving without insurance is a serious offence. If you are caught driving without insurance you can face several consequences. Here is the minimum penalty for driving without insurance:

  • fixed penalty fine of £300
  • 6 penalty points in your license
  • the IN10 endorsement staying on your license for four years
  • you will need to disclose the incident to your insurance provider for five years from the day the offence was committed

You should keep in mind that if the police decide that the offence is more serious – for example, the driver gives false details or drives a high-risk vehicle such as an HGV – then they might let the court handle this case. If your case goes to court you could end up with an unlimited fine and a higher number of penalty points put on your license. In some cases, the court has the power to order someone to destroy the vehicle that is being driven uninsured. You might also get disqualified from driving.

Can I go to court for driving without insurance?

Yes, driving without insurance is a criminal offence. It is a compulsory requirement for anyone who uses a vehicle on the road or any other public place to have the correct and valid insurance against third party risks. This includes vehicles that are only parked and are not driven. As long as the vehicle is on the road, it must be insured. The Magistrates Court’s treat driving without insurance very seriously because of the potential consequences if you were to crash when uninsured.

What Is the IN10 Endorsement?

An IN10 endorsement is simply a code for driving without insurance, which will appear on your license. There are plenty of situations in which it can be issued, for example:

  • when you forget to renew your insurance in time
  • when you don’t check beforehand whether the person using your vehicle has an insurance
  • when you forget to check if you are adequately insured to drive another vehicle
  • when you deliberately drive knowing that you don’t have insurance

Someone Else Drove My Car Without Insurance. Why Am I Being Prosecuted?

As the owner of the vehicle, you have the responsibility to make sure that every person you allow to drive it is properly insured. If you let someone without insurance drive your vehicle, you are subject to the same penalties as if you were driving an uninsured vehicle yourself.

I Was Driving a Company Car. Can I Still Be Charged?

If you are found to be driving a company car without insurance, and you were unaware, your employer’s failure to insure the vehicle means that you have a defence against charges brought against you. However, even if you’re cleared of wrongdoing, your employer could still be convicted for allowing you to drive while uninsured.

My Insurance Company Did Not Renew My Insurance and Failed to Notify Me. Am I Still Liable?

It is not the responsibility of your insurer to notify you about your insurance cover, their duty is to honour any insurance policy you have with them. You are responsible for ensuring that your vehicle is covered, therefore, you are liable if your insurer doesn’t automatically renew your cover.

However, despite being responsible, such circumstances may amount to ‘special reasons’, which could help you avoid a penalty.

I Genuinely Thought I Was Covered On My Parents Insurance, but I'm Not. Could I Be Prosecuted?

As you were driving the vehicle, it is your responsibility to ensure that you are appropriately insured, meaning that you have committed an offence. Depending on the circumstances, you may be able to avoid penalty points by arguing ‘special reasons’.

What Is a 'Special Reason?'

A ‘special reason’ is something that does not amount to a defence but is connected with the offence. It must be a mitigating circumstance and something which the court should properly take into account. If the court find a special reason they might then decide not to impose penalty points on your licence. Examples in no insurance cases might include:

  • A discrepancy with your insurance provider – e.g. cancelling your insurance without notifying you
  • You genuinely believed that you were fully insured at the time
  • You were driving someone else’s vehicle in reliance on their confirmation that their policy would cover you or that a policy had been taken out.

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