Driving Without Insurance
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The law states that a person must not use a motor vehicle on a road or other public
place unless they have a valid insurance policy.
Many people get caught out with insurance offences because they think their fully
comprehensive insurance policy covers them to drive a vehicle owned by another person
with their permission. However, a lot of fully comprehensive insurance policies
do not actually have this type of cover.
It is also an offence to allow a person to drive your vehicle if they do not have
insurance covering them for your vehicle.
Social and Business Purposes
An insurance policy often refers to use for “social, domestic and pleasure purposes”
and, for example, this won’t cover a businessman travelling to meet a client or
for an employee using their own vehicle to make a delivery for the company.
Defences
There are very few defences for driving without insurance. The only real defence
is to argue that either you were not driving or that you thought you were insured.
Special Reasons Arguments
If you were driving under the genuine misapprehension that you were insured at the
time you may have a case of Special Reasons. If the court accepts your “special
reasons” argument they have the discretion not to impose penalty points.
Punishment
6-8 Penalty Points, a Discretionary Disqualification and a fine up to £5000.