Driving without insurance – What does it mean?

Driving without insurance is an offence where the burden is on the driver. The driver needs 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 deal with include:

  • An employee driving without business insurance
  • A teenager driving a 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 the material time. There are separate offences regarding allowing a vehicle to be used without a valid insurance policy 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.


How we can help if you are accused of driving without insurance

Our specialist driving offence solicitors can assist you with the “driving without insurance” law and procedure for a no-insurance charge. For immediate help and assistance, please contact us now.




What happens if you crash without insurance in the UK?

Although you might have legal rights in relation to the accident, if you are not insured you will be charged by the police for driving illegally.


Can I drive a new car home without insurance?

No, it’s illegal to drive a new car home without insurance. When you decide on the car you want to buy, contact your insurer and get insured before you make the purchase.


Can someone else drive my car?

Only if they have been added as a named driver to your insurance. Alternatively, if the person has their own car and insurance, they might be insured to drive another car with the owner’s consent.