Using a Vehicle With No Insurance

No Insurance - Ribblehead Viaduct
A Land Rover approaches Ribblehead Viaduct by Geograph

All vehicles must be insured and all drivers must be insured to drive them. There are 3 main types of case that a driver with no insurance can face. They are:

  • Using or driving a vehicle without insurance
  • Causing or permitting a person to drive without insurance
  • Keeping a vehicle with no insurance

If the police have accused you of an insurance offence and you want to challenge the case against you, I may be able to help. Are you worried about a driving ban for an insurance offence? I can help with that too.

Also Known As

  • No insurance
  • Driving without insurance
  • Driving without valid third-party insurance
  • Causing or permitting no insurance

What Is the Difference?

  • Using or driving a vehicle with no insurance. Vehicles used or driven on a road or in a public place (such as a supermarket car park) must have valid insurance. Not having insurance is an offence.
  • Causing or permitting no insurance. The owner or keeper of a vehicle is responsible for that vehicle. If they allow someone to drive who is not insured then they can commit an offence.
  • Keeping a vehicle with no insurance. The registered keeper of a vehicle must have the vehicle insured at all times even if it is off the road. If the owner has made a statutory off road notification (SORN) they do not need to have insurance.

Penalties for Insurance Offences

The maximum sentence for using, driving, causing or permitting no insurance is:

  • Fine £5,000
  • 6-8 penalty points or a disqualification from driving

The police can impose a fixed penalty for no insurance of 6 penalty points and £200.00.

The maximum sentence for keeping a vehicle with no insurance is:

  • Fine £1,000.00
  • No penalty points

The police or DVLA can impose a fixed penalty of £100.00.

Sentencing Guidelines

When a magistrates’ court sentences someone for no insurance they use these guidelines (these do not apply for keeping a vehicle with no insurance.

Examples of nature of activity Starting point Range
Using a motor vehicle on a road or other public place without insurance Band C fine Band C fine
6 points – 12 months disqualification

Read this post to find out more about sentencing guidelines.

Crown Court or Magistrates’ Court?

No insurance trials and guilty pleas are always in the Magistrates’ Court. Appeals are in the Crown Court.

Things I Look Out For in a No Insurance Case

  • Is there any evidence that the accused was driving
  • Errors in procedure by the police
  • Errors in procedure by the prosecution
  • Did the driver know that there was no insurance in place (sometimes this can be a special reason not to endorse penalty points)
  • Was the driver an employee who did not know insurance was not in force (this can be a complete defence)
  • If the driver is pleading guilty are there any special reasons not to impose penalty points
  • Can the case be referred back to the police for a fixed penalty
  • Have the police made a mistake by saying that insurance was not in place or invalid
  • If the driver will get 12 points or more will there be exceptional hardship which could result in a reduced ban or no ban at all

Find Out More

Unsure If You Need Legal Representation for a No Insurance Case?

Before you decide if you need a solicitor, call me or request a call back under no obligation.


A Land Rover approaches Ribblehead Viaduct by John Lucas / CC-BY