Driving Without Insurance


We can help you if you have received a Conditional Offer of a Fixed Penalty or a Summons to attend court for Driving without Insurance. 

Many drivers do not realise the severity of the law relating to Driving a Motor Vehicle without insurance.  We know of course that most people would not intentionally drive a motor vehicle without insurance, but we find that many clients do not realise that Driving without Insurance is a strict liability offence.  This means that a driver is guilty of driving without insurance, even if they thought that they were insured. 

An offence under Section 143 of the Road Traffic Act 1988 arises if a person uses a motor vehicle on a road whilst uninsured.  A conviction will follow irrespective of whether that person knew or not that the vehicle was insured.

Examples of people that have been caught up in this strict law are, drivers who didn't realise that a direct debit for an insurance payment did not go through, people who thought they would be covered under 3rd party insurance or people who had trusted another person to arrange insurance for them.  These are only a few examples of the endless circumstances that can catch drivers out. 

A driver caught driving without insurance will be liable to a Fine and six penalty points.  This is particularly worrying for a person at risk of totting up 12 points to lead to a disqualification. 

We may be able to help you as although not knowing that you were not insured is not a defence alone, we may be able to persuade the court that there are 'Special Reasons' relating to the commission of the offence.  If Special Reasons are found, a court may exercise its discretion to impose fewer penalty points or in best cause scenario none at all. 

We can also assist you by attending court with you or to argue Exceptional Hardship for you if you are at risk of accumulating 12 or more penalty points. 

Contact us now - we can explain the law for you - we will be able to advise you whether to accept a conditional offence of Fixed Penalty by post or to request a court hearing to argue Special Reasons. 

We can be contacted via email lucinda@ldlegalservices.co.uk or at the office 01273030339.