Driving Without Insurance

Being charged with a motoring offence can be an alarming and worrying time in your life, especially if you have been charged with driving without insurance. Our motoring solicitors are experts in road traffic or motoring offences, especially if you are looking for a driving without insurance solicitor in Newcastle. Cases like these will need expert legal representation from specialist solicitors to minimise penalties and offer support and guidance throughout the process. If you have been driving without insurance and have been charged with dangerous driving or careless driving in an uninsured vehicle, our team of driving offence solicitors are specialists in motoring law are here to help.

Based in Newcastle upon Tyne and South Shields, we offer representation for driving without insurance offences throughout the North East, with our no insurance solicitors among the best ranked in the area. If you are looking for support or representation from specialist motoring offence solicitors, call David Gray for immediate advice.

Penalty for driving without insurance

Using or permitting the use of a motor vehicle without insurance is an absolute offence, meaning that if your car is on a public road and is not insured under a third-party policy, an offence has been committed. This includes your car being parked on a public road, even where it is not driven.

Should you be caught in a vehicle and driving without insurance, police can offer Fixed Penalties of 6 penalty points and a £300 fine for offences of driving uninsured. If the driving offence proceeds to Court, it can result in an unlimited fine, 6-8 Penalty Points and a driving ban. Therefore, it is crucial that you seek advice from offence solicitors as soon as possible regarding your motoring offence.

Driving a car without insurance by mistake

Offences of driving without insurance are often committed through genuine mistakes – such as being told by family members that you were covered by their policy or being unaware that a policy taken out online has been cancelled early by the insurer. Our specialist motoring offences solicitors will fully consider your explanation and provide you with advice about whether you have a Special Reasons argument available. This could avoid the imposition of penalty points on your licence. A conviction for no insurance can drastically increase your insurance premiums so it is in your best interests to receive expert legal advice and assistance from motoring offence solicitors to give you the best chance of avoiding a driving without insurance conviction.

Ghost brokers

If your insurance was arranged by someone else, but the police say it is not valid, you may have been the victim of a Ghost Broker scam. Thousands of motorists could be unwittingly driving without insurance because of fraudsters selling fake policies.

Tactics used by Ghost Brokers include taking out a genuine insurance policy before quickly cancelling it and claiming the refund. They also forge insurance documents or falsify driver’s details to bring the price down. You will need specialist motoring offence solicitors to assist in presenting evidence of this to a court.

Ghost Brokers can be fined and imprisoned, but even though you – the driver – are unaware your policy is invalid, you are still committing a motoring offence and could end up gaining penalty points on your licence or in court.

New drivers with no insurance

If you have passed your driving test in the last 2 years, then 6 penalty points would result in your licence being REVOKED and you would go back to being a learner driver. Please contact us as early as possible to organise a meeting with our solicitors to find out if this can be avoided and to prevent any further offences.

Totting up and exceptional hardship

If you receive 12 or more penalty points within a three-year period, you should be disqualified under the Totting-Up system. However, you can avoid disqualification if you can prove that you would suffer “exceptional hardship”, especially if your disqualification would impact other people, if you would experience mortgage or financial loss, or if you care for others. Our specialist solicitors will prepare you properly for this court hearing and provide expert representation, as well as advice and support around your offence. If your driving license is important to you, get the best advice and representation from our solicitors BEFORE you go to court.

Our fees

In accordance with rules published by the Solicitors Regulation Authority (SRA) as of December 2018, all law firms offering support for drivers who have committed driving offences must publish details of prices and personnel undertaking the work. Please see our dedicated fees page for more information on our fixed fees, additional costs and hourly rates.

CONTACT US

If you are concerned about losing your licence due to driving offences and require advice from specialist motoring law solicitors, you can reach us by calling 0191 232 9547 or emailing us. For out of hours emergency advice please call 07764 929 487.

Alternatively, you can book an appointment and visit us at one of our North East offices:

NEWCASTLE:
56 Westgate Road, Newcastle Upon Tyne, NE1 5XU

SOUTH SHIELDS:
142 Fowler Street, South Shields, Tyne & Wear, NE33 1PZ