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police station if required
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What is the offence?
The law requires you to have third party insurance before you can use a motor vehicle on a road or other public place.
The law also states that you cannot allow another person to use a motor vehicle on a road or in a public place without third party insurance.
It is a well known fact that you cannot drive a vehicle without insurance but perhaps not as well known that you cannot allow someone to drive your vehicle without insurance.
These offences are classed as strict liability and this means it doesn’t matter what your intention was.
What is the penalty?
The courts can impose a financial penalty along with 6 to 8 points or a disqualification. It is also possible to be offered a fixed penalty notice. You would receive 6 points and a £300 fine.
The penalty is the same if you allow another person to use your vehicle without third party insurance.
Fixed penalty notice
Please ensure that the fine is paid within 28 days. If you do not you will be taken to court and face a larger financial penalty.
If you do not accept the offence of no insurance it is important that you contact us.
You should not pay the money but indicate on the form that you wish for the matter to be heard at court. This is also the case if you want to put forward an argument to avoid disqualification such as special reasons.
Is there anything I can do to keep my licence?
Yes it is possible to put forward an argument to say there were special reasons to avoid a disqualification or points being put on your licence.
You would have to show that you had a genuine belief that insurance was in place, perhaps you were relying on another family member or your insurance policy was cancelled and you had no knowledge of it.
The court will consider any special reasons argument in full and you and any witnesses will have to give evidence under oath. You may need to supply any supporting documentary evidence.
Please contact us about your case to discuss your options.
Are there any defences?
There are defences that can be used:
- The vehicle had a valid policy of insurance
- You were driving a vehicle that didn’t belong to you in the course of your employment and that you didn’t know and had no reason to believe that there wasn’t a valid policy of insurance in place
I have discovered my insurance policy is void
In the days of modern technology where applications for insurance are made online often mistakes are made. Please be careful when you are filling out applications and check them fully as it is not a defence to No Insurance if there was a genuine error made on the application form.
It is also possible for other factors to void the policy.
Please contact us about your case we may be able to help.
- Undisclosed medical condition
- Conviction not disclosed
- Vehicle registered to a different address
- Modification of the vehicle during the length of the policy
We're always here to help you
If you are contacted by the police or receive a summons for court we may be able to help you. It is quick and simple to make an appointment, just contact us by email or phone. We can see you in the office or speak to you on the phone.
We are available 24 hours a day providing a professional service with direct access to a solicitor. If you need help to keep your licence please contact us.Get a free quote