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Insurance Offences

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

This can be a serious matter which may result in a driving disqualification and therefore if you face such an allegation please seek quality legal advice immediately from our specialist motoring solicitors. Our solicitors defend (no insurance) allegations at Police Stations and Magistrates' Court throughout the South West including Bath, Bristol, Chippenham, Swindon, Stroud, Salisbury, Taunton, Weston Super Mare, Yeovil, Cardiff, Newport, Gloucester, Cheltenham, Reading, Winchester, Basingstoke, Oxford, Southampton, Portsmouth, Bournemouth, Poole and Exeter.
 
In the Magistrates' Court the prosecution do not have to show that you were driving the vehicle at the time to prove a matter of no insurance. They just have to show that the vehicle was in use on a road or a public place, for example if it were parked on a public road without being insured.

There are a number of possible defences which our specialist solicitors can put forward in relation to such an allegation of driving with no insurance and the law is complicated in respect of these matters. Therefore if you are accused of this offence we recommend that you consult our specialist driving solicitors right away.

The Penalty

You may be disqualified from driving in the Magistrates Court for any period and/or until you have passed your driving test again. You may also be fined up to £5,000. The offence of driving with no insurance carries between six and eight penalty points.


Even if you do not have a defence available to you, you should still seek prompt legal advice from our lawyers. Our specialist motoring solicitors may be able to avoid penalty points being imposed upon you in the Magistrates Court by arguing special reasons. An example of such special reasons would be if you had a genuine and honest belief that you were insured based upon reasonable grounds (for instance your insurance broker told you that you were insured to drive the vehicle) or if there was an emergency.


If penalty points are imposed on your driving licence and this results in you receiving 12 points or more making you a 'totter' under the totting up provisions , our motoring solicitors  may still be able to help avoid you being disqualified from driving by arguing exceptional hardship.

Causing death by an uninsured driver

This is a very serious allegation which can be dealt with either in the Magistrates Court or the Crown Court. The prosecution only have to prove that you were driving on a road while uninsured and that by virtue of your presence a fatality occurred. Unlike the offences of causing death by careless or dangerous driving there is no requirement to prove that you caused the accident or that your driving was of a poor standard. Once more our specialist solicitors are skilled at providing quality advice and representation at both the Police Station and the Magistrates and Crown Courts in relation to such matters.

The Penalty

The sentence for causing death whilst driving and uninsured can be up to a two year prison sentence. There is also a mandatory driving disqualification. If you face such a matter we would therefore urge you to immediately contact our motoring solicitors.  

Representing clients throughout the South West at locations including:
Bath l Bristol l Chippenham l Swindon l Stroud l Salisbury
Taunton l Weston-Super-Mare l Yeovil l Cardiff l Newport l Gloucester l Cheltenham Reading l Winchester l Basingstoke l Oxford l Southampton l Portsmouth Bournemouth
Poole l Exeter