Solicitors Based In Chester Offering Legal Services throughout England and Wales
Solicitors Based In Chester Offering Legal Services throughout England and Wales

Driving without Insurance

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Driving Without Insurance

Driving without insurance is a serious motoring offence that could land you with a penalty of up to 8 points on your licence, an unlimited fine, and a driving ban.

The law clearly states that all drivers must be in possession of a valid car insurance policy. Driving without car insurance is an absolute offence and cannot be excused. However, if you have been caught driving without insurance, you should get in touch with one of our specialist solicitors as soon as possible to discuss your options at the earliest opportunity and secure the best outcome for your case.

What is Car Insurance?

There are three main types of car insurance: third party, third party fire and theft, and fully comprehensive.


Third party

Third party is the minimum amount of coverage drivers are legally required to have. Third party insurance the most basic type of insurance on the market and is usually the cheapest to obtain. Third party insurance does have a number of limitations, the most pressing one being that the policy holder is not financially covered in the event of an accident. Third party policies only agree to cover damage that is caused to other people (‘third parties’) and don’t cover the driver. Drivers who take out third party insurance must pay for their own repairs and won’t receive help from their insurance company if their car is stolen or fire damaged.

Third party fire and theft

Third party fire and theft insurance (otherwise known as TPFT) is very similar to third party insurance; the only difference between the two is that unlike third party policies, TPFT policies will pay out if a policy holder’s vehicle is stolen or damaged by fire.

Fully comprehensive cover

Fully comprehensive cover is the greatest level of cover available; not only does it cover damage caused to other people’s cars, it also covers damage caused to the policy holder’s vehicle. Most fully comprehensive policies allow their policy holders to drive other vehicles, but this isn’t always the case.

What are the penalties for driving without insurance?

If you are caught driving without insurance, you are likely to be given a £300 fine and 6 penalty points. If your case is referred to the court, your fine could be increased to an unlimited amount, and you could be completely disqualified from driving. You should speak to a solicitor as soon as possible are being caught driving without insurance to ensure you receive the most lenient penalty possible.

Someone else drove my car without insurance but I am being prosecuted – why?

As the legal owner of your vehicle, it is your responsibility to make sure that everyone you allow to drive your car is suitably insured. If you are caught allowing someone who is not insured to drive your vehicle, you will be subject to the same penalties as if you had been driving without insurance yourself.

Driving Without a licence

Driving without a licence is an absolute offence. You can only drive a vehicle if you have a full licence. If you have a provisional licence, you must ensure you comply with the rules of driving as a learner in order to avoid prosecution for driving without a licence.

If you have been caught driving without a licence, contact us immediately to discuss your case. We understand that mistakes are sometimes made and will work with you to secure the best possible outcome.

What are the penalties for driving without a licence?

Driving without a licence is a serious offence and, as such, the penalties are severe. Penalties can include a fine of up £5000 and complete disqualification from driving. If you are found to be driving without a licence, it is likely that you will also be found guilty of driving without insurance.

Can the penalties for driving without insurance/a licence be reduced?

Although both offences are absolute offences, it may be possible to reduce your penalty, particularly if you have mitigating circumstances or special reasons. If you wish to make a claim for mitigating circumstances, you will need legal help and should speak to one of our solicitors as soon as possible.

How can PDA help me?

If you have committed a motoring offence, contact us today to speak to one of our specialist motoring solicitors by calling 01244 757323. Alternatively, fill out our online contact form and we will call you back at a time that is convenient for you. Our team will examine your case in detail, providing you with invaluable legal advice and doing all we can to help you secure the best possible outcome.


Our Team of Lawyers in Chester

Paul D’Ambrogio

Paul D’Ambrogio

Director and Commercial Property & Conveyancing Specialist
Jana Dubcova

Jana Dubcova

PI Litigation

For legal services you can trust, please call us or visit us in our Chester office


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