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Driving Insurance Offence: What is the Maximum Fine?

According to GOV.UK, the United Kingdom’s public sector information website, UK law states that it is illegal for a motorist to drive any motor vehicle on a public road or other public place without at least third-party insurance. Drivers caught driving without insurance could be penalised. These penalties can range, but in most cases include a fine. Depending on your offence, you could be required to pay a sum of money, with a range of standard penalties, going right up to the maximum fine for driving without insurance.

When faced with such a situation, you’ll be needed to establish your defence and whether there were any mitigating factors, or risk being prosecuted, fined and in some cases even banned from driving.

It would be wise to look for motoring law specialists who can offer their legal assistance to get you the best possible outcome in this type of legal situation. For motorists in the UK, Caddick Davies Solicitors are available in motoring courts across England and Wales. We utilise various defence strategies to help present any mitigating circumstances and ensure you don’t receive the maximum fine for driving without insurance UK category.

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UK's Leading Motoring Solicitors
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What is the maximum fine for Driving without Insurance?

The law considers driving without insurance a serious offence. At times you could receive a Fixed Penalty Notice (FPN), where you will be required to pay a fine of £300 (recently increased from £200) and get 6 penalty points endorsed on your licence. In the event that this case has to go to court, as per the law in England and Wales, you could face anything up to the maximum fine.

While the law stipulates that this could be an unlimited fine, in the vast majority of cases, this could be up to £5,000. In addition to this maximum fine, police have the power to seize, and in some cases destroy, the vehicle driven without insurance. This can happen even if the vehicle doesn’t belong to the person caught driving it.

Who can help if you’re charged for driving without insurance?

You should always ensure that you contact a trusted motoring law option if you find yourself facing such a charge. Caddick Davies is a team of motoring offences solicitors with offices in motoring courts across the UK. We are ideally positioned to offer specialist legal help to clients being charged or investigated for driving without insurance. We also offer advice and guidance on any motoring offence-related questions.

For questions such as “what is the maximum fine for driving without insurance?” our experts will explore the exact circumstances of your case and give you a clear expectation of what your case could involve. We do this via a free initial consultation, and given that we are legal experts who solely specialise in motoring law, it allows us to ensure that we explore every possible legal option for you with detailed expertise.

Our extensive experience ensures that we are always updated on any developments or statistics around motoring law. For instance, we know that The Motor Insurance Bureau approximates about 1 million uninsured drivers are currently on the roads in the UK.

While at Caddick Davies Solicitors we encourage motorists never to drive without insurance, we understand that oversights can be made and we provide legal assistance to many motorists caught driving without insurance.

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How can you get in touch with an expert motoring solicitor?

If you find yourself among those motorists facing such a charge, you will want to ensure you are not among the ones who will be required to pay the maximum fine for driving without insurance. It is definitely a major concern for drivers to know about motoring penalties, including the maximum amount one can pay if they get caught driving a vehicle without insurance. Caddick Davies expert solicitors offer reliable information and legal help.

Our experts can offer this excellent legal advice, and even representation, to ensure our clients do not receive the maximum fine for driving without insurance. When you engage us, we will enlist a team of highly qualified and knowledgeable solicitors who are also very much dedicated to your case. Our legal team will employ a dedicated approach and consider any mitigating factors as we look to reach a suitable outcome.

We can request that the Court do not severely punish you, with our experienced solicitors able to look at factors such as “Special Reasons” that can make a penalty less severe where they apply. For reliable legal assistance, call Caddick Davies Solicitors on 0151 280 3346, or alternatively email us or request a callback via our website and one of our driving insurance offence solicitors will respond swiftly and provide an initial no-obligation consultation free of charge to evaluate your case.

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 trader’s 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 licence 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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