No Insurance Offences
With the often huge cost of motor insurance, there is an ever growing problem in the UK of motorists driving without insurance.
While this is an offence, perhaps even more serious is the potential damage you can inflict with a car, potentially life changing injuries you can cause and even death.
Car insurance exists so that any third party that you inflict damage or injury to can be swiftly and easily compensated for their loss. Imagine if you caused an accident from which an innocent person was left disabled, wheelchair bound, or needing round the clock medical care.
If you are insured, then your insurance company take all of that cost and cover it on your behalf, but if you are not insured, the third party is within their rights to take you to court to recover any and all costs incurred. If you have any assets then these can be seized and sold to recompense the injured person, so potentially, everything you own is at risk.
This is a huge risk you are taking with all your assets, putting them on the line in lieu of arranging motor insurance which on average costs a few hundred pounds per year.
In most cases, monthly car insurance premiums are less than a Sky TV subscription, but we all know which one tends to be cancelled first in most instances??
Driving without car insurance is highly irresponsible and reckless and the Courts tend to view it as a serious offence. No insurance carries 6 penalty points on your driving licence and is one of the few ‘strict liability’ offence in English law.
This means that because of the way that motor insurance is sold, it is up to you to prove that you have insurance in place, rather than for the court to prove your guilt.
As a new driver (with less than two years driving on a full licence) you only have 6 points in total so a no insurance offence would see you lose your licence and you would require a retest before you could take to the roads again.