What are the penalties for driving without insurance

Driving without insurance is illegal. Even the threat of driving bans, fines and penalty points don’t seem to be enough to deter the thousands caught and convicted every year.

Here’s a reminder of what might be in store for those driving without insurance, and what the minimum level of insurance you’re legally required to have is.

What is the minimum cover?
The minimum level of insurance you’re required to have by law if you drive a vehicle is third party liability cover.

This means you’re only covered for the damage you might cause to another vehicle or property and any liability for causing injury.

In actual fact, finding third party only cover can be tricky as most insurers now extend their policies beyond the basic level of cover and you can choose to add fire and theft insurance or opt for fully comprehensive cover.

Fines
The maximum fine if you’re caught driving without insurance is currently £5,000 and the minimum fine has just gone up to £300, You’ll also receive what’s called a ‘Fixed Penalty Notice’. and your insurance premiums are likely to go up as you may find some insurers will decline to quote you cover. Rivieria Insurance have some specialist policies for convicted drivers, so if you require a quotation contact us here

Points on your licence
As well as a fine, you can score up to 8 points on your licences, thought the most common amount it 6. Once a driver reaches 12 points, you’re automatically banned from driving.

Occasionally it is possible that a court will disqualify you from driving for a set period immediately.

If you decide to fight the penalty points, and lose, you could end up with more points being applied than if you’d accepted the original number.

Car impounded and destroyed
The police now have the power to impound any uninsured vehicle. They will only give it back once you’ve paid any fine and can prove you’ve bought the correct cover for your car .

They can even destroy the vehicle after a certainly amount of time has lapsed if you do not reclaim it.

Get a quote
Cornwall & Devon Insurance is your local broker specialising in a variety of insurance products including car insurance for convicted drivers if you need a quotation please either call 01566 772282 or contact us here.

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Cornwall and Devon Insurance Services Limited is a trading style of Riviera Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (FCA FRM 786116). We are covered by the Financial Ombudsman Service (FOS). Private customers and micro-enterprises may pursue complaints with the FOS if we cannot resolve them. Further information is on the FOS website.

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