Driving without insurance – What does it mean?
Driving without Insurance is an offence where the burden is on the driver to show that he or she did have a policy of insurance that would have covered him or her to drive that motor vehicle at that time.
Common no insurance offences we experience include:
- An employee driving without business insurance
- A child driving parent’s car without insurance
It is possible for an owner of a vehicle to be required to provide insurance even if they were not the driver at a material time and there are separate offences of allowing a vehicle to be used without a valid policy of insurance in place.
What are the penalties for driving without insurance?
The penalty for driving without insurance is normally points on a driving licence and a minimum of six penalty points (unless special reasons exist) with a fine. The fine for driving without insurance is calculated upon the driver’s disposable income.
If you are caught driving without insurance you are likely to have your car impounded and you will need to pay a release fee and show insurance before it is released. In addition, a postal requisition is likely to be sent providing you with a court attendance notice.