Driving Without Insurance Offences

Have you been accused of driving without insurance? Are you concerned about what might happen next? Our driving without insurance solicitors have a wealth of combined expertise that they will use to provide you with robust representation if you are facing such an accusation.

The law concerning driving without insurance is clear cut, which means the penalties can be severe. Depending on the circumstances and whether you are charged with any other related driving offences, you can lose your license and receive a substantial fine. This means that, if you are accused of driving without insurance, you will need urgent legal advice to reduce the impact on your life.

At JD Spicer Zeb Solicitors, we understand how dauting it can be to face an accusation of driving without insurance. As such, our team of expert criminal defence solicitors are on hand to provide immediate support, helping you to avoid charges or minimise penalties where conviction is unavoidable.

Our highly qualified driving without insurance solicitors offer:

  • 24/7 legal support in person and over the phone, 365 days a year
  • Representation anywhere in England and Wales
  • Accredited Police Station Representatives to support you during a police interview
  • Clear, effective legal advice in any language (see our languages spoken)

Whether you have been accused of driving without insurance, have been arrested, charged or released on bail or under investigation, get in touch with our driving offence solicitors as soon as possible.

Speak to our driving without insurance solicitors in London, Manchester and Birmingham today

For a free initial consultation on your legal position and the available options, please call 020 7624 7771.

For urgent advice at any time of day or night, please call our emergency number 07836 577556.

You can also email: or fill out our quick online enquiry form and we will get back to you quickly.

Our driving without insurance solicitors can represent you at Willesden Court if you are due to make an appearance there. This means that our costs will likely be lower, as we are a local firm to the court.

Our driving without insurance expertise

Defending allegations of driving without insurance

If you are found guilty of driving without insurance, the minimum penalty you can expect to face is six penalty points on your license and a £300 fine. However, depending on the circumstances, you could potentially face a driving ban and an unlimited fine.

The penalty you receive could depend on various factors, such as whether you have previously been convicted for driving without insurance, if you are driving without a valid license or if you are driving a higher risk vehicle, such as an HGV.

It may be possible to defend against an allegation of driving without insurance, given the right circumstances.

For example, you may have been driving without insurance if:

  • Your insurance provider cancelled your policy but failed to notify you
  • You had genuine reason to believe that you were insured
  • You were driving someone else’s car and had been assured their policy would cover you

Our expert driving without offence solicitors can carefully assess your situation and put forward a robust defence towards the charges you are facing. This may be via police station representation, or court representation if you have been charged.

Driving a company car without insurance

If you are driving a company car, you must have the relevant insurance. If you do not, you will still be liable for charges.

Equally, if you are an employer and you have knowingly allowed one of your employees to drive without insurance, then you could also face a driving without insurance penalty.

In these situations, businesses tend to be liable for fines as they are seen to be in control and managing the use of the vehicle.


The court can impose a range of 6 – 8 penalty points. It has a discretion to impose a disqualification. As mentioned above the court could impose an unlimited fine.

When looking at the penalty to impose, the court will have regard to sentencing guidelines.

The court will consider the culpability and harm caused. For example, if there is evidence of substantial uninsured use and an accident was caused involving injury, the court would consider imposing a discretionary disqualification. At the other end of the scale, if the offence involved a very short period of uninsured use and there were no aggravating factors, the court would look at imposing points. The court will also consider any previous convictions for such offences before deciding on the appropriate sentence. If the number of points imposed takes a person’s total on his driving record to 12 within the last three years, the court will look to disqualifying under the “totting up” procedure.

Even if a person is not driving a car themselves, they could be prosecuted for permitting a person who is not insured to drive their car. The penalties for such an offence are the same for using a car without insurance.

It may be that our solicitors can put forward “special reasons” for not imposing points. This can be a complicated area of law and it would be advisable to get the advice of one of our expert solicitors.

Why choose our driving without insurance solicitors?

If you have previously been to the police station, or are due to appear at court, for driving without insurance, it is essential that you seek out legal advice from a specialist motoring offence solicitor at the earliest opportunity.

If you are facing a driving without insurance penalty, you will usually have the option of using a duty solicitor to defend you. However, this is often not the most effective course of action, as a duty solicitor may lack the specific expertise required to provide you with robust representation.

Our dedicating driving offence solicitors have many years of combined experience in defending clients accused of driving without insurance. We use this knowledge to provide expert advice and representation.

When instructed, our team will carefully guide you through the entire process with clear, straightforward advice that allows you to understand your situation, rights, options and the potential outcomes.

Our dedicated driving without insurance solicitors are readily available to act in your defence, around the clock – including on weekends and bank holidays.

Note that we can also represent you at Willesden Court if you are due to make an appearance there for driving without insurance. This means that our costs will likely be lower as we are a local firm to the court.

Funding your motoring law defence

Funding police station representation

If you have been arrested, or are facing an interview under caution, for driving without insurance, you are entitled to receive legal representation. It is important to note that this can be from a solicitor of your choosing and is not means-tested.

Funding your legal defence if you are prosecuted

 If you are charged with driving without insurance, it may be possible to have some or all of your legal defence covered by something known as a ‘Representation Order’. This is commonly known as ‘legal aid’.

The level of financial assistance you could receive and the process you use to make an application will usually depend on the type of court the prosecution takes place in.

Private fees

You also have the option to self-fund your legal representation. Should this be your preferred approach, we will be able to clearly explain all of the costs and our fee structures. Whether or not you receive legal aid funding, any contribution you make to your legal defence will be refunded if you are found not guilty.

Frequently asked questions about driving without insurance

What happens if I'm caught driving uninsured?

If you are stopped by the police, they will ask you to provide documents to prove that you have insurance for the vehicle you are driving. If you fail to demonstrate that you have the right cover, or it can be shown that your cover has expired, then the police can hand out a penalty which will vary depending on your circumstances.

The police also have the power to seize and potentially destroy the vehicle that is being driven uninsured.

What is the penalty for driving without insurance?

If you are caught driving without insurance, the police will hand a minimum penalty of:

  • A fixed fine of £300
  • 6 penalty points on your license

The police may decide whether more serious cases should be handled in court, but this will be determined by various factors. For instance, if you do not have a valid license, the vehicle you were driving is deemed to by high risk (such as a HGV), or you have been accused of committing another driving offence, such as careless driving.

The court could potentially issue:

  • An unlimited fine
  • A driving ban

Can I drive without insurance?

Simply put – no. It is against the law to drive a vehicle on a public road without at least the most basic level of car insurance, which is third party insurance. You must also have insurance if you leave a vehicle parked on a street, on a driveway or in a garage.

There are a number of reasons why you might not need motor insurance – but these do not give you the ability to drive the vehicle in question. These are if:

  • You have a valid Statutory Off Road Notification (SORN)
  • Your vehicle has been kept off a public road since before 1 February 1998
  • Your vehicle has been scrapped, stolen or exported and you have provided notice
  • Your vehicle is between dealers or is being held by an authorised dealer

There are certain ‘special reasons’ for driving without insurance. These are mitigating circumstances which may explain why someone is driving without insurance.

Special reasons may include:

  • An insurance provider failing to provide notice that insurance has expired
  • An insurance provider making a mistake, leading to no policy being in force
  • A person being incorrectly informed by a provider that they can drive a vehicle
  • A person having a genuine reason to believe that they were insured to drive

Is driving without insurance a criminal conviction?

Driving without insurance is not an imprisonable offence in itself which means that a conviction will not appear on a criminal record.

However, it is important to note that, if you are convicted of driving without insurance, this will remain on your driving license for a minimum of four years and you will need to disclose it to insurance providers for a further year.

How do police catch uninsured drivers?

Data from the Motor Insurance Database (MID) is shared will all UK police forces. This means that the police’s Automatic Number Plate Recognition (ANPR) cameras can quickly tell if the vehicle in front of them is insured or not.

The police can also catch uninsured drivers if they pull them over for a separate road traffic offence, such as careless or dangerous driving. They will always ask for relevant documents that prove that the vehicle being driven is properly insured.

Contact our driving without insurance solicitors today

For urgent specialist advice, immediate representation or to speak to our solicitors in London, Manchester and Birmingham confidentially about driving without insurance, please call 020 7624 7771 or email

Alternatively, you can fill out our quick online enquiry form and we will get back to you quickly.

For immediate representation and advice, call our emergency number 07836 577556 and we will provide you with the urgent assistance you need.

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