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Driving without insurance

Road Traffic Act 1988, section 143

  1. A person must not use a motor vehicle on a road or other public place unless there is in force … a policy of insurance … in respect of third party risks … and
  2. A person must not cause or permit any other person to use a motor vehicle on a road or other public place unless there is in force … a policy of insurance … in respect of third party risks as….

Strict liability

Driving without insurance is a “strict liability” offence.  This means that without proper insurance covering the driving, you are considered guilty of the offence.

Sometimes people drive believing they are insured when they are not.

For instance, your insurance company may have noted your car registration number down incorrectly or there may be some problem with your direct debit payments resulting in your insurance being cancelled without your knowledge

Fixed penalty or go to Court

The police can offer a fixed penalty of 6 points with a £200 fine.

If the matter goes to Court, you will probably receive 6 to 8 penalty points on your licence. However, the court may disqualify you for up to 12 months if it feels the matter is serious enough to merit it.

Special Reasons

Even though the court must find you guilty, people drive believing they are insured when they are not or there are other compelling reasons for . For instance, the insurance company may have noted the car registration number down incorrectly

In circumstances such as these it may be possible to persuade the Court that “SPECIAL REASONS” apply.  This means that a Court may decide not to endorse your licence with the usual 6-8 points even though you are technically guilty of the offence.

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