Driving Without Insurance – What to Do When Caught

people-516378_640If the police have stopped you for driving without insurance, they will probably ask you to produce your documents and will give you seven days to do this.

The first thing you need to do is to check your insurance policy over to make sure it covers you properly and that it was still valid on the date you were stopped. What you shouldn’t do is to simply believe the police officer who tells you you’re not covered.

What you should do next is to engage a specialist legal team like Motoring lawyers will be able to see things that you may have overlooked. Many drivers get caught out because they believe – in good faith – that their fully comprehensive insurance covers them to drive any vehicle in a certain class when it only covers them to drive named vehicles.

If you do have valid insurance

Then you should take your documents to your local police and explain yourself; this should prevent any further action. If it turns out that your insurance isn’t valid, don’t panic, your legal team can still help you.

If you were unaware you were uninsured

Your insurer may have cancelled your policy and not informed you, so this may give you a strong defence. If the insurance company hadn’t taken the appropriate steps to inform you – a letter, phone call or email – then you may be able to avoid endorsement of your licence on the grounds of special reasons.

Special reasons

Special reasons are legal arguments that your legal team could use if you were mistaken – or even misled – about the nature or validity of an insurance policy. If your belief that you were insured at the time is reasonable then you may be able to use this as an argument. Many younger drivers rely on a history of their parents having maintained insurance for them. In such a case they may be able to argue special reasons.

If you think you have special reasons, then you need a lawyer to argue them for you. Specialist legal teams deal with driving without insurance cases every day and so they’ll be able to tell you what your outcome is likely to be given your particular circumstances.

Driving for work

If you were driving a vehicle in the course of your employment that did not belong to and was not hired by you, and had no cause to believe that insurance was not in place, you will be able to use this as a defence to avoid conviction. This is a statutory defence to driving without insurance which was enacted in order to prevent employees from being punished for the negligence of their employers.

What are the potential outcomes?

If you are convicted, then you could receive six to eight points on your licence, or even be disqualified if your new set of points takes you to 12 or over. The minimum disqualification period under the totting-up system is six months. You may be able to plead exceptional hardship to avoid disqualification, which can reduce or rule out entirely your ban.

In terms of fines, you will receive anything from £300 to £5,000, depending on your income and previous record. If you face a larger fine, then legal help is essential.

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