Driving without Insurance
It is a criminal offence to drive on a public road without having at least third-party insurance in place covering a driver’s use of that vehicle. If you are found guilty of driving without insurance, the minimum points you will receive on your licence is 6 as well as a £300 fixed penalty fine, or, depending on the seriousness of the offence or previous offences, you may be disqualified from driving for up to 12 months and subject to an unlimited fine (based on your income). Driving without valid insurance is a “absolute” offence which means that the mindset/intention of the driver at the time of the driving is irrelevant – if there is no valid insurance in place and the vehicle is used on a road or ‘public place’ then an offence will have been committed. It will then be up to the driver to argue against the Prosecution’s case with a defence and supporting evidence.