Driving Without Insurance

If the police issue a fixed penalty, you may receive:

• Six penalty points
• A fine

If your case goes to court, the magistrates will sentence you in line with established sentencing guidelines for driving without insurance. The level of sentence depends on the seriousness of the offence, which is assessed by the court.

The sentencing ranges are as follows:

• Category 1 - Six to eight penalty points and a fine
• Category 2 - Disqualification up to 6 months OR 8 points and a fine
• Category 3 - Disqualification of 6-12 months and a fine

The court will determine which category your case falls into by assessing the seriousness of the offence. Generally, less serious cases fall into Category 1, while more serious cases fall into Category 3. The court will consider factors such as whether false details were given, whether there was sustained uninsured use, or whether an accident occurred.

Our solicitors will present your case clearly and persuasively to achieve the most lenient outcome available.