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WHAT DO YOU GET IF YOU GET CAUGHT DRIVING WITHOUT INSURANCE?

It is required by UK motoring law that anyone driving a motor vehicle in any public place in the UK should have at least a third-party insurance policy in place. This is what the law requires, but statistics suggest there is a significant percentage of people driving without insurance on the roads in the UK. At Caddick Davies, we represent motorists on a range of motoring charges and inform on what happens if you get caught driving without insurance.

Part of the “what happens if you get caught driving without insurance?“ question refers to what penalties you can get. You can receive various punishments, depending on whether your case has to go to court. Although we continue to discourage driving with no insurance, we still offer legal assistance to some of those motorists who are caught in such a situation with mitigating circumstances. If you are in the situation of asking “I’ve been caught driving without insurance what happens now?” then we can help.

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WHAT IS THE PENALTY FOR DRIVING WITHOUT INSURANCE?

If you are wondering “what happens if you get caught driving without insurance?” then you ought to know about the penalties which are the most obvious things that may happen. The police can issue a fixed penalty fine of up to £300 and 6 penalty points. There might be aggravating features that may lead to a court summons. At the court, you can receive a much bigger fine and be disqualified from driving were you to lose the case.

You should also be aware that the police in the UK have the power to seize an uninsured vehicle and at times they may even destroy it, even in cases where it doesn’t belong to you. Drivers within their first 2 years of driving should pay particular attention to question of “caught driving without insurance what will happen?” as they should know that a single offence will lead to automatic disqualification from driving. This is because drivers within their first 2 years can be banned from driving by accumulating up to 6 penalty points on their licence.

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CAN YOU GO TO JAIL FOR DRIVING WITHOUT INSURANCE?

Some motorists who get caught driving without insurance and wonder “I’m caught driving without insurance what happens now?” may even fear that they’ll go to jail for driving without insurance. Thankfully, you will not go to jail for this motoring offence alone. The conviction itself will also not appear on a criminal record. You should know that the conviction of driving without insurance comes with an IN10 endorsement that remains on your driving licence for four years.

This will have an impact on any future insurance policies you may be interested in. So, for those asking, “other than the penalty, what happens if you get caught driving without insurance?”, these are the main impacts to consider. Even if there is no imprisonment for such an offence, you should consider all of the consequences explained above. All of these can negatively affect your driving life, but Caddick Davies can offer legal assistance if you think you have mitigating circumstances in your driving without insurance charge.

CAN YOU DRIVE A CAR HOME AFTER BUYING IT WITHOUT INSURANCE?

It would be illegal to drive a car home after buying it without insurance. The law stipulates that one needs at least a third-party insurance to drive on the road or other public places in the UK.

So, driving a car that is uninsured, even straight home from the dealer or any other place after buying it is committing an offence and you could be facing the consequences of driving with no insurance. You can buy an insurance cover over the phone or online for any car you buy, before driving it.

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WHAT IF SOMEONE ELSE DRIVES YOUR CAR WITHOUT INSURANCE?

Someone else driving your car without insurance will also lead to a case of questioning being “caught driving without insurance and what will happen?”. It will likely be viewed just like it is you who has been caught driving without insurance. The person will have to pay a £300 fine and receive 6 penalty points on their licence.

In some cases, the police may decide to issue court summons for the offence, and both you and the other driver could end up paying a larger fine or facing other driving penalties. The police can also seize your car, so it is always important to be careful on these issues when you or anyone else drives your car. You might get the answers to “what happens if you get caught driving without insurance?” the hard way.

WHERE DO I FIND GOOD LEGAL HELP IF I GET CAUGHT DRIVING WITHOUT INSURANCE?

If you got caught driving without insurance, it is always key to look for trusted legal help. To get good legal help and advice on being caught driving without insurance and wondering what will happen, you’ll need to find qualified motoring solicitors. Caddick Davies Solicitors have been solely handling motoring offences for a number of years and in motoring courts around the country.

Our specialisation and experience make us a leading option for drivers caught driving without insurance. You can get quality legal assistance from our lawyers, who will get you the best possible outcome. For legal advice, including representation in court, call, email or request a callback from us at Caddick Davies via our Contact page.

Specialist No Insurance Solicitor Representation

At Caddick Davies Solicitors we specialise in the representation of motorists charged with driving a vehicle with no insurance.

If you find yourself with a Fixed Penalty Notice or Court Summons for an offence of driving with no insurance and believe that you are insured, please contact us for advice and a no obligation consultation on how we can help.

Commonly Asked Questions About Driving a Vehicle With No Insurance

In many cases the police may offer a Fixed Penalty Notice in the alternative to formal prosecution before the Magistrates’ Court. This Fixed Penalty Notice or FPN, will impose a penalty of £300.00 and endorse your driving licence with 6 penalty points.

If you wish to accept this offer, then you must simply surrender your driving licence within the specified period (usually 7 days) and make payment of the penalty within 28 days. Please note that if you do not comply with these requirements the offer may be withdrawn and you may be summonsed to appear before a Magistrates’ Court.

You should not accept a Fixed Penalty Notice if you do not accept that you have driven without insurance or you believe that you have “special reasons” such that a Magistrates’ Court may not endorse your licence with penalty points.

If you do not wish to accept the Fixed Penalty Notice then you may reject it simply by completing the rear of the notice and requesting a court hearing.

In the event that you have received a Fixed Penalty Notice for driving with no insurance, please contact us for advice and a no obligation consultation on how we can help you.

If you find yourself accused of driving with no insurance and facing a Fixed Penalty Notice or a Court Summons, then it will be for you to prove that you were insured.

It may be that you are covered under a motor traders policy, that you are covered on a third party basis on a different policy or that you have a policy cover of which the police are not aware.

If you find yourself with a Fixed Penalty Notice or Court Summons for driving with no insurance, please contact us for advice and a no obligation consultation on how we can help you.

In the age of automated systems, emails and with the changing practices of insurers, we have noticed that this is becoming an ever more common account.

In these circumstances, if you receive a Fixed Penalty Notice or are summonsed to appear before the Magistrates’ Court for driving without third party insurance, we can argue that your license should not be endorsed with penalty points as there are “special reasons” in your case.

If you find yourself with a Fixed Penalty Notice or Court Summons for an offence of driving with no insurance and believe that you may have “special reasons”, please contact us for advice and a no obligation consultation on how we can help you.

This is a very good example of the type of case in which we may make application for “special reasons”. As the persons child has driven without insurance, they have technically committed the offence of driving without insurance, however it would seem very unfair if they were then to be fined and receive 6-8 penalty points.

In this kind of case we would argue that there are “special reasons” as the son clearly believed that he was insured to drive and that it was reasonable for him to rely on what he was told by his father. If successful, the son would not receive any points and we would also seek to persuade the court that it is unfair to impose a fine.

If you or a loved one find yourself with a Fixed Penalty Notice or Court Summons for an offence of driving with no insurance and believe that you may have “special reasons”, please contact us for advice and a no obligation consultation on how we can help you.

It is an offence if a person allows another person to drive their vehicle (or a vehicle over which they have control) without insurance. This is an offence even though you are not the person driving the vehicle.

This type of case may sometimes be defended on a factual basis e.g. I did not have control of the vehicle or I did not give permission, or on the type of permission given e.g. I only agreed for them to drive on the condition that they were insured.

In other cases we might abe able to argue “special reasons” in connection with the offence, as to why your licence should not be endorsed with points.

If you find yourself with a Fixed Penalty Notice or Court Summons for “causing or permitting” a person to drive without insurance, please contact us for advice and a no obligation consultation on how we can help you.

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