Driving Without Insurance

It’s a serious offence to drive a vehicle without insurance. It's also an offence to cause or permit a person to drive without insurance.

If you have been pulled over for driving without insurance, contact us to discuss your case. We can advise you on what to expect next and explain how we can help you.

Our expert team of road traffic law solicitors have been assisting people charged with driving without insurance for over 25 years. We’ve the knowledge and experience to get you the best result possible.

We've a specialist knowledge of road traffic law, meaning we know how to navigate this complex legal landscape. We’ll talk to you in plain English, without the legal jargon, and will act on your instructions.

After we’ve spoken to you about your situation, we’ll offer you tailored advice on the best next steps for you. Contact us today to find out how we can help you.

Why choose Irwin Mitchell's motoring offence solicitors?

As the largest law firm in the country, we’ve got the expertise and the resources to give you the best advice possible.

Our specialist road traffic law solicitors have been working in this legal area for more than 25 years. We’ve gained an unrivalled specialist knowledge of the law surrounding motoring offences and have a proven track record of successfully defending clients.

We’ll act on your instructions whether you intend to plead guilty or not guilty. Our whole focus is on getting the best result for you.

We’ve also got offices located throughout the country. This means you can access legal advice that’s local to you. We work in a way that suits you, so we can also communicate via phone, video call, or email if you prefer.

Leading legal experts in motor offences

Over 25 years' experience in reducing driving disqualifications

Offices around the country

Accessible, flexible and professional service

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0808 291 3524

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More information on driving without insurance

Frequently Asked Questions

What is a special reason for having no insurance?

A special reason doesn’t amount to a defence, but it can be a mitigating circumstance that the court should consider. If you’ve a special reason for driving without insurance, you might be able to avoid penalty points on your licence.

Special reasons for having no car insurance could include:

There was a genuine emergency which required you to drive without insurance.
You were misled to believe that you were insured to drive at the time
A fault on your insurer’s part, such as cancelling your insurance policy and not telling you.

What’s the penalty for driving without insurance?

If you've been caught driving without insurance, you may receive a fixed penalty offer of six points and fine. If you are sentenced by the court, the sentencing guidelines range from a fine and six-to-eight points, up to a fine and a disqualification for between six and 12 months.

The sentence will depend on the seriousness of the offence. If you've given the police false details or there's evidence of sustained uninsured use and your case involved an accident, you'll be looking at the most severe sentence.

Whatever your case, we can represent you and seek the most lenient sentence from the court.

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