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Uninsured Drivers

Driving without insurance is a criminal offence. The law provides for ‘strict liability’ and you can be found guilty regardless of whether you were aware that your vehicle was uninsured. This is because of the implications that come with crashing or hitting someone in an uninsured vehicle.


For this reason, it may seem pointless speaking to a lawyer to defend what is often just a simple mistake. However, our assistance and representation could make the difference when it comes to you retaining your licence.

In many cases, you can plead ‘special reasons’, for example, if you honestly and genuinely believed that you were insured, we can persuade the court not to disqualify you and in some cases not endorse your licence with penalty points.

To stand the best chance of keeping your licence when you’ve been caught driving while uninsured, call us on 0333 323 5292 or fill in our online form and we will get back to you. If you require immediate assistance, please get in touch with Meghan Waldron on 07469 859708 or Jeremy Scott on 07971 520407.

About driving without insurance

It is a legal requirement to have insurance if you own or drive a vehicle. Failure to have insurance will usually lead to prosecution, as there is no discretionary defence - this is known as an offence of strict liability. These cases are usually dealt with in a Magistrates’ Court with a fine and penalty points imposed.

In some cases, drivers are genuinely unaware that they have no insurance, usually because the policy has been cancelled without their knowledge or there was a failure on the insurance company’s part to renew or update an existing policy.

Should this be the case, you should speak to a solicitor as soon as possible to help you establish who is responsible for your lack of insurance. We have also had cases where a decision to drive uninsured was made in an emergency situation, and we have avoided a ban or points.

If you are driving another person’s car, then you must be insured to drive that vehicle. Car owners must ensure that those allowed to drive have suitable insurance, or else they run the risk of being prosecuted also.

The penalties

Driving without  insurance is a serious offence. The police can issue you with a fixed penalty of £300 and 6 points on your licence. Your case can be taken to court and the penalties can be more severe including:

  • An unlimited fine
  • 6 to 8 penalty points
  • A discretionary driving ban
  • Possible seizure and destruction of the uninsured vehicle

Causing death by driving without insurance

If you cause a fatality while driving an uninsured vehicle, you will face much tougher penalties, including:

  • Minimum 12-month mandatory disqualification
  • Up to 11 penalty points on your licence
  • Up to two years imprisonment

For the best chance possible of easing the consequences of driving without insurance get in touch with our solicitors today.

Our services

Should you be facing allegations of uninsured driving remember that all hope is not lost when it comes to prosecution. The driving offence team at Lupton Fawcett is dedicated to helping those who have failed to insure their vehicle keep their licence and, where we can, ease the consequences of this error as we know you may have never intended to break the law.

We will work towards protecting your interests by gathering relevant evidence, providing expert representation during court proceedings and exploring every option available to you - explaining everything in plain English.  

With offices in Leeds, Sheffield and York, we are able to provide assistance to drivers across Yorkshire and the rest of the UK.

Contact us

If you have been accused of driving without no insurance, our professional and approachable team is waiting to hear from you. You can get in touch by using the details below, or if you require immediate assistance, contact Meghan Waldron on 07469 859708 or Jeremy Scott on 07971 520407.

Get in Touch

With Lupton Fawcett on your side, you're taking control. Contact us today.

Enquiry Form

Please complete this form to make an enquiry and we will get back to you as soon as we can.

Remember you can still call us on 0333 323 5292 or email us at traffic@luptonfawcett.law

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