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 disqualification and therefore if you face such an allegation please seek legal advice immediately.

In court the prosecution do not have to show that you were driving the vehicle at the time, 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 in relation to such an allegation and the law is complicated in respect of these matters. Therefore if you are accused of this offence we recommend that you consult a lawyer right away.

The Penalty

You may be disqualified for any period and/or until you have passed your driving test again. You may also be fined up to £5,000. This offence 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. You may be able to avoid penalty points being imposed upon you 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 licence and this results in you receiving 12 points or more making you a 'totter' under the totting up provisions , we may still be able to help avoid you being disqualified by arguing exceptional hardship.

For expert advice, call us at Motoring Law Defence FREEPHONE on 0808 178 3288

"Defending the motorist throughout the South West"