There are rising levels of traffic offences involving drivers with no insurance. With the cost to insure a car reaching record heights, many are choosing to avoid buying car insurance. However, taking this approach could be a costly decision, as the motoring offences penalties for driving without appropriate insurance are high.
As with all driving offences, there are no cut and dry cases if caught without insurance. It is deemed breaking the law if you drive a vehicle or allow someone else to when the car is not adequately insured. The police can identify an uninsured vehicle quickly. The Police National Computer allows the police to quickly detect if a vehicle is being driven without the appropriate insurance and they will act swiftly.
There are different circumstances that will be taken into account, so it is imperative that you contact your motoring lawyer immediately after you are charged. One area that can be investigated is whether the insurance policy is adequate enough. If you believe that the car had been insured to cover the vehicle for that specific use then you may be able to plead not guilty. This will involve you presenting a valid insurance certificate to the court which shows without doubt you were allowed to drive the vehicle. If this is not provided, the court can award a maximum fine of £5,000 and put up to 8 points on your car licence.
Talking to motoring solicitors is the best policy, as they can help you if you have been charged as an employee. If you have been driving an uninsured work vehicle, then motoring solicitors must prove that you had driven the car under the understanding that the car was fully insured. If no defence can be found then there are also special circumstances that can be cited. A common special defence is that the policy was cancelled without the driver’s knowledge.
At Cunninghams Solicitors, we provide the best legal advice available for all traffic offences.
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