driving without insurance defence solicitors
If you or someone you know has been accused of driving a vehicle without having relevant insurance, our specialist Driving Without Insurance Solicitors can provide a robust defence and minimise any potential consequences.
To discuss your case with a member of our team, call us on +44 (0)161 452 7675 or fill in our contact form to request a call back.
What is vehicle insurance?
Vehicle insurance is insurance for cars, vans, motorcycles, lorries and any other motor vehicle. It is designed to protect all relevant parties in the event of an accident, although different types of cover provide different levels of protection.
In the UK, anyone operating a motor vehicle is required to have insurance, with the most common types being:
Third party is the minimum level of coverage allowed by law if you wish to drive on the roads in the UK. Even if you rarely drive your car, you must always have this level of insurance as a minimum.
Third party cover is, by design, the most limited type of vehicle insurance. It covers all damage caused to other vehicles involved in an accident, alongside any compensation required for anyone else involved.
This type of insurance, however, will not help with damage caused to your car or compensate you for your injuries.
Third party, fire and theft,
This level of insurance is slightly more comprehensive, covering everything third party insurance protects you from as well as covering you in the event of a fire or the theft of your car.
The final type of vehicle insurance you may have covers everything from the previous insurance offerings whilst also protecting you and your car in the event of an accident.
Driving without insurance sentencing guidelines
Should you be found guilty of driving without insurance, the minimum punishment will be six penalty points being issued onto your driving license and a £300 fine. If the police suspect you are driving without insurance, they can issue you with a fixed penalty notice of this amount at the roadside.
Other punishments are given out, however, with the maximum penalty being a driving disqualification and fine of £5,000. The level of punishment depends upon a range of factors, having a quality solicitor to defend you from the start could be central to helping you avoid a strict punishment.
Special reasons for driving without insurance
Although they don’t amount to a proper defence, special reasons are mitigating circumstances for you driving without insurance which must be considered by the courts when making their judgement.
Common special reasons for driving without insurance defences include:
- Your insurance company cancelling your insurance policy but failing to notify you
- You genuinely believed you were insured at the time of the incident
- You were driving someone else’s car and had been ensured their policy would cover you or they had taken out an alternative policy for you.
These mitigating circumstances are legally complex, making it important to get proper legal advice before attempting to use them as part of your defence. If successful, however, they could help to reduce or even erase your punishment.
Driving a company car without insurance
If you are driving a company vehicle without the relevant insurance, you will still be liable for charges. In addition to this, your employer may also be convicted of permitting you to drive without insurance. This means you should always confirm you are full insured before agreeing to drive a company vehicle.
How we can help
Draycott Browne’s Driving Without Insurance Defence Solicitors have wide-ranging experiences in helping people who have been accused of driving without insurance. We will prepare a complete, robust defence designed to minimise any impact the case has on your life and provide you with total support throughout the process.
To discuss your case with a member of our team, call us on +44 (0)161 452 7675 or fill in our contact form.