It is an offence to use (or permit to be used) a motor vehicle on a road or public place when there is not in force a relation to the use of the vehicle such a policy of insurance in respect of third party risks as complies with the Road Traffic Act (Road Traffic Act 1988 s143 (C2)).

You should note that to be guilty of having no insurance you do not have to drive the vehicle because the Road Traffic Act says use a vehicle. This therefore could include parked or stationary vehicles or cars left for repair if on a road or public place.

Upon conviction there can be a fine of up to £5,000, between 6-8 penalty points imposed on the licence and the court can impose a discretionary driving ban. In any offence of no insurance the main factor in the courts' mind will be if the offence was committed deliberately or without knowledge. Correct representation on your behalf in court can make a real difference as to any penalty that may be imposed by the court.

Call 01908 577680 or email for advice or representation