It is an offence for you to use, or to allow another person to use, a motor vehicle on a road or public place if you do not hold an insurance policy which insures against third party risks.

The Prosecution does not need to show that the vehicle was being driven at the time, merely that it was in use.

The Prosecution will need to prove that you had use of the vehicle on a road or public place. If they cannot show this, then they will be unable to prove their case against you.

The law in this area is complex and widely drafted. It is not a defence that you were unaware that you had no insurance. However there may defences and you should contact us so that we may advise you as to whether we can challenge the Prosecution.

If you have no defence, we may still be able to assist you to avoid penalty points by arguing special reasons [link to avoiding disqualification], for example; emergency or if you were misled into believing you were insured.

Penalties

6 - 8 penalty points or a discretionary ban and a fine of up to £5,000