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Caught Driving without Insurance in Chester?

At times, many motorists have driven without insurance due to various circumstances. You ought to know that this is a motoring offence that is punishable if are get caught and convicted. Should you get caught driving without insurance in Chester or throughout the UK, you are at the risk of receiving various penalties. It is advisable that you find the right legal help and do it as soon as possible. Expert motoring solicitors could be of great help to you for this particular case.

Caddick Davies is a team of solicitors specialising exclusively in motoring offences. We can help you find a favourable outcome in a case where you are charged with this offence. We are a well-established motoring solicitor firm who have assisted thousands of drivers on motoring offences including caught driving without insurance in Chester and nationwide.

Please note that it is an offence to drive a motor vehicle on a road or any other public place without at least a third-party insurance. So, understand that if you get caught driving without insurance in Chester, you’ll be considered an offender and may end up charged and punished. Also, be aware that allowing someone else to operate your vehicle without insurance is also an offence. This crime attracts similar penalties as those you’d get if you were driving yourself.

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Once the police catch you driving with no insurance anywhere on the roads, they may issue you a Fixed Penalty Notice (FPN) and fine you £300 as well as an endorsement of 6 penalty points. This punishment is actually an alternative to or before prosecution. If your case goes to court, you may end up being fined up to £5,000, have 6 to 8 penalty points endorsed on your licence, and in the most severe situations, be disqualified from driving.

If you get caught driving without insurance in Chester and end up receiving a Court Summons, contact us quickly and we’ll offer a free no-obligation initial consultation. Our expert driving solicitors will look at your case and offer an honest evaluation on your available legal options and whether our solicitors can assist you.

Defences to a driving without insurance charge

Driving without insurance in England or Wales is considered a “strict liability” offence. This means you’ll be viewed as an offender whether it was deliberate or not. Our solicitors can come up with defences to the offence, which include:

– Valid Insurance: You can prove you were covered by a valid insurance policy

– Employees’ Defence: You can prove that the vehicle you were driving wasn’t yours in the period of employment, and you were not aware that you were uninsured.

While there are few defences to the driving without insurance charge, our solicitors may be able to persuade the court not to endorse penalty points on “special reasons” grounds. At this point, we will need to have demonstrated that you as the motorist had a “genuine and honest belief” that you were covered by insurance.


It is important you understand that the outcome of a caught driving without insurance charge can be majorly determined by the level of legal advice and representation you get. Therefore, take care to involve the right legal expert. Our solicitors will be able to explore the available defences and help you if you are caught driving without insurance in Chester.

To reach our specialist team of motoring solicitors at Caddick Davies, you can call us on 03334 432 366, or email or request a callback from us via our website. We’ll have our helpful solicitors respond to you and answer your related questions. If you require our legal assistance, we’ll look at your case and inform you if you have defences and if we’ll represent you.

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Contact us for a free consultation, our expert solicitors will be able to discuss your case and advise on legal options.


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