Third party insurance is compulsory and a failure to have this basic cover is considered one of the most serious offences. Whilst the Police can offer a Fixed Penalty of 6 points / £300 fine, if the case is referred to Court, a substantial fine and 6 to 8 penalty points or disqualification are amongst the recommended penalties. Our expert lawyers will provide the best possible assistance and representation giving you the best chance of retaining your licence.
Motor Lawyers can explain quickly and accurately whether the cover you hold is adequate, particularly in relation to driving other vehicles, or for unusual risks. Given the severity of the offence and the implications of the punishment, seek our advice promptly.
Don't forget, that just one conviction will have very serious implications. Even if you are not disqualified, when you come to insure your vehicle, your premium will rise drastically because of any insurance related offence.
No Insurance issues can often arise through innocent but genuine mistakes, such as drivers assuming that fully comprehensive cover allows them to drive other vehicles, or children believing that they are covered by policies issued to their parents. Motor Lawyers can clarify such issues. For example, many motorists also fail to appreciate that they can be convicted of an insurance offence, even if they are not driving; one of the most common offences is permitting another person to use your own vehicle whilst uninsured.
The offence of using or allowing a vehicle to be used whilst uninsured is becoming much more common. This is not only because Police methods of detection have improved drastically but additionally because insurance companies, in a bid to maintain low premiums, are imposing much greater restrictions when considering the terms and conditions of policies, often removing benefits that were regarded as standard in previous years.