Having a car without insurance is considered one of the biggest driving offences. Consequences can range from six to eight points on your driving licence or a disqualification from driving.

It is a strict liability offence if you aren’t insured and your vehicle is on the road even if you are not driving it or believe you are insured - it is only possible to obtain insurance from an insurance company approved to provide Road Traffic Act insurance in the United Kingdom.

It is every individual driver’s responsibility to ensure that they have been insured on any vehicle they drive. It is not enough for someone to tell you that you are insured on a vehicle – if you are not, you are both seen to be committing an offence.

Examples of this can include (but are not exclusive to):

  • Mistake from the insurance broker
  • Being told of being a named driver on someone else’s policy (e.g. parents’ and children/partners)

If you find yourself in a dispute with an insurance fault, our expert Motoring Team are able to advise you in respect of your dispute and deal with any claim during the period you were said to be insured.

For more information on insurance please contact our Motoring Team on 01279 755777 or get in touch with Pete Dodd, Partner in our Motoring Team.

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