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Driving without insurance: what are the penalties?

Driving without insurance: what are the penalties?

Some risks just aren’t worth taking, and one of them is driving without insurance. Car insurance is a legal requirement and there are serious penalties for driving without it.  
 
Here’s a look at what could happen if you get behind the wheel without insurance.

Daniel Hutson
From the Motor team
4
minute read
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Posted 17 APRIL 2020

What are the penalties for driving without insurance?

Driving without car insurance is a risk you just can’t afford to take. The consequences are serious and could lead to a criminal conviction.  

  • At the very least you could get a fixed penalty fine of £300 and six penalty points on your licence.   
  • In more serious cases, for example if you’re an uninsured driver who’s never passed their driving test, you could be taken to court where you may face an unlimited fine and be disqualified from driving. 
  • If you’re disqualified for anything longer than 56 days, you’ll need to apply for a new licence and may need to retake your test. 
  • The police also have the authority to seize your vehicle and even have it destroyed.

A conviction for driving without insurance will result in an IN10 endorsement. This will remain on your driving licence for four years from the date of the offence. You’ll also need to disclose it to insurance providers for a further year.  
 
If you’ve been convicted of driving without insurance, it may be more difficult to find affordable car insurance in the future.  
 
Uninsured driving convictions also show up on basic Disclosure and Barring Service (DBS) checks, which could affect your future employment.  
 
If you’re involved in an accident while driving without insurance, the consequences could be even more serious.

  • Causing a fatality while driving without insurance could result in a prison sentence of up to two years.  
  • If ‘driving dangerously’ can be proved, the prison sentence could be up to 10 years.  

Who needs car insurance? 

Anybody who drives or keeps a car must have car insurance. The bare minimum to be legal is third party car insurance. If you’re involved in an accident, it could cover the other party’s damage and injuries. 
 
If you don’t use your car and you want to avoid having to insure and tax it, you must declare it off road and apply for a Statutory Off Road Notification (SORN).  
 
Once you’ve declared your car SORN, you mustn’t drive, or even park the car on a public road. It must be kept on a private driveway, in a garage or on private land. 

What’s the point of car insurance?

Car insurance is there to protect you and other people from financial and medical costs in the event of an accident.

These costs can be extensive, but it’s a crucial safety net should something go wrong. 

How much do uninsured drivers cost the UK?

According to the Motor Insurer’s Bureau (MIB), the body that compensates victims of uninsured drivers, uninsured driving costs the insurance industry around £400 million each year. This is ultimately funded by honest motorists’ insurance premiums.  
 
And uninsured drivers don’t just cost us in terms of premiums. The cost to human life is even more shocking. The MIB reports that in 2018, there were over 26,000 personal injuries caused by uninsured driver collisions. That equates to one person injured every 20 minutes. The MIB also reports that every year more than 130 people lose their lives because of uninsured or untraced hit and run drivers.

How can police tell if a vehicle is uninsured? 

The MIB records the details of all insured cars in the UK and shares the information with all UK police forces. Automatic Number Plate Recognition (ANPR) cameras can tell if a vehicle is insured in a matter of seconds. 
 
If your vehicle is shown as taxed on DVLA records but doesn’t appear on the Motor Insurance Database (MID), you’ll receive an Insurance Advisory Letter (IAL) indicating that your vehicle is not recorded as insured. If you receive an IAL, you must make sure you have valid insurance and that your insurance provider has added you to the MID.  
 
If you’ve taken out a SORN and you receive an IAL, contact the DVLA to confirm that your SORN is being processed. It could be that your details have yet to be updated on their database.  
 
Police officers also have access to the MIB Police Helpline, which can determine the validity of a vehicle and the driver’s insurance. If a vehicle is stopped, helpline operatives have direct contact with insurance companies, who can clarify if a driver and vehicle are insured or not.  

Insurance is expensive isn’t it? 

There are several factors that contribute to high car insurance premiums, including the impact of uninsured drivers.  
 
However, your car insurance doesn’t need to be so expensive. Although there are some things you can’t change, such as your age, address and claims history, there are ways to reduce the cost of your car insurance, including:  

  • your choice of car  – usually, the more powerful, modified and desirable your car is, the higher your insurance will be 
  • paying premiums up-front  could save you additional interest charges on monthly instalments 
  • increasing your  voluntary excess  can also lower the cost of your premium. Just make sure you can afford to pay both the voluntary excess and compulsory excess if you need to make a claim.   

For more ways to reduce costs, check out our top tips for cheap car insurance. 

Does comprehensive insurance cover me to drive any vehicle? 

Not necessarily. Some fully comprehensive policies might cover you for driving other cars, but they’ll also require that the other vehicle is insured in its own right.  
 
Always check before driving someone else’s car, to make sure the proper insurance is in place. If not, you and the car owner could receive penalty points and a fine.  

Are there any special reasons for driving without insurance? 

There are no exceptions for driving without insurance. You must always have insurance to drive your vehicle. 

If my car is parked on the road but I don’t drive it, do I need insurance? 

Yes, you do. Even if you don’t drive it, a car parked on a public road is still at risk of being hit by another vehicle. Any vehicle parked on public land must be legally insured.   
 
If you don’t drive your car anymore and you don’t want to tax or insure it because of that reason, you’ll need to declare it as SORN. But you must keep it parked on a private driveway or private land. You can’t park it in the street.

Can I drive on private land with no insurance? 

You can legally drive on private land without insurance, but it must be an area with no public access. If there’s any public access, your vehicle needs insurance. Under Continuous Insurance Enforcement (CIE) regulations, your car must be SORN if it’s not insured. 
 
Places that may have public access can include campsites, caravan parks, private estates and some ‘private’ car parks. 

What should I do if I’m hit by an uninsured driver? 

If you’re involved in an incident with an uninsured driver

  • collect as much information and evidence as you can, including driver and vehicle details 
  • use videos and photographs to back up any evidence 
  • if the other driver doesn’t give you their insurance details, make a formal complaint to the police 
  • contact your insurance provider as soon as possible

Your insurance provider will also have access to the MID to find out if the other driver is insured or not. Otherwise, you can use the askMID lookup service yourself. You can do a quick search with your smartphone at the roadside. 

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The consequences of driving without insurance simply aren’t worth the risk. And choosing a car insurance policy has never been easier.  

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