Driving Without Insurance

If you have been caught driving without insurance, the expert motoring law solicitors at JMW are here to help. We are hugely experienced in helping people in your position and we will provide expert guidance to ensure you are in the best possible position to get the outcome you are after.

To find out more about how we can help you today, simply call us on 0800 804 8159 or complete our online enquiry form and we will contact you as soon as we can.

About Driving Without Insurance

Driving without insurance is a very serious offence, which can lead to financial penalties running to thousands of pounds, as well as a disqualification from driving or penalty points on your driving licence.

Any person driving a vehicle is required to have at least third party insurance in place to drive that particular vehicle. A driver should also be careful to ensure that the insurance provides cover for the correct type of use.

Most people secure their insurance via a broker over the telephone or on the internet. Insurance secured in this manner is often thought of as being 'instant'. Technically speaking, it is an offence to drive your vehicle prior to receiving a copy of the actual insurance certificate, although in practice most insurers send a copy of the insurance certificate via email as soon as the policy is taken out.

Driving without insurance is deemed an absolute offence and means there is no excuse. However, if you are found to be driving without insurance you should speak to the expert solicitors at JMW to find out more about your options and what you should do next.

You also have to be very vigilant when allowing someone else to drive your vehicle. It is your responsibility to ensure that they have a valid policy of insurance that would allow them to drive your vehicle.

If you are convicted of causing or permitting someone to drive your vehicle without insurance, you will face the same penalty as though you had driven without insurance yourself.


The police and courts take driving without insurance extremely seriously and routinely stop vehicles to check whether motorists have valid certificates. Approximately 300,000 convictions are recorded for this offence every year.

Potential penalties for driving without insurance are:

  • Maximum fine of £5,000
  • Fixed penalty of £200 and between six and eight points on your licence
  • Disqualification
  • Seizure and destruction of the uninsured vehicle

However, more severe punishments are given to those who are involved in accidents or kill or injure another member of the public.

Why Choose JMW?

If you have been accused of driving without insurance or allowing someone to drive your vehicle without insurance, you will need the help of our specialist team of motoring solicitors to help you defend allegations of driving without insurance, or limit the damage of any penalty imposed by the court.

At JMW, we have many years of experience providing invaluable legal advice to our clients, giving them the assistance they need in order to secure the best possible outcome. We will support you throughout your case, keeping you updated throughout. 

Talk to Us

Get in touch with our expert motoring law solicitors to find out more about how we can assist if you have been found driving without insurance. We will talk you through your options and help you decide on the best course of action to take. Call us on 0800 804 8159 or complete our online enquiry form and we will call you back at a convenient time. 

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