No insurance

No InsuranceOur lawyers are experts in road traffic or motoring offences. We are based in Newcastle upon Tyne and South Shields, and offer representation throughout the North East. Our solicitors have many years’ experience on No Insurance charges and are best ranked in the North East. Call now for immediate advice.



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.

Police can offer Fixed Penalties of 6 penalty points and a £300 fine for offences of driving without insurance but if the matter proceeds to Court, it can result in an unlimited fine, 6-8 Penalty Points and even disqualification from driving. It is therefore important that you seek specialist advice as soon as possible.


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 solicitors will fully consider your explanation and provide you with advice about whether you have a special reasons argument available – which could avoid the imposition of penalty points.

A conviction for no insurance can drastically increase your insurance premiums so it is in your interests to receive expert legal advice and assistance to give you the best chance of avoiding a conviction.

New Driver 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 – you go back to being a Learner Driver! Please contact us as early as possible to find out if this can be avoided.

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”. Our specialist solicitors will prepare you properly for this court hearing and provide expert representation.

If your driving licence is important to you, get the best advice and representation BEFORE you go to court.

Regional crime/fraud winner

Legal 500 UK awards winner: crime and fraud