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Driving Without Insurance

    Thank you for looking after my case so well yesterday. It was immediately reassuring that you understood my particular situation so well and I was impressed with the assured way you facilitated getting the key points across in court. I am of course delighted with the outcome.

    Client testimonial about Sophie Allinson - Motoring

    Thank you again couldn’t do it without you, I appreciate it

    Client testimonial about Michael Gibson - Motoring

    You were a total professional from beginning to end. Your advice was invaluable as was your presence in court. Many thanks for all your hard work.

    Client testimonial about Michael Gibson - Motoring and Crime

    Very good news and relief all round. Big thanks to... Mr Gibson for your fantastic communication throughout.

    Client testimonial about Michael Gibson - Motoring & Crime

    Just wanted to say thank you for all your support today, you really put us at ease and explained the process clearly.  You were very professional and I think you managed to get the best outcome from this situation.

    Client testimonial about Sophie Allinson - Motoring & Crime

    Just a small note to thank you for your expertise and special thank to Mr. Gibson for representing me in court regarding of a motor propelled vehicle. The out come was more than satisfactory as was able to maintain my licence due to his professional skills.

    Client testimonial about Michael Gibson

    Just a short note to say thanks again for your firms professional representation in this matter. I wouldn't hesitate in recommending David Gray Solicitors.

    Client testimonial about Michael Gibson - Crime

    We are most indebted to you for the invaluable service, advice and guidance that you gave us and most of all your commitment.

    Client testimonial about Michael Gibson - Crime

    Please accept my sincere gratitude for your exemplary representation today, I'm eternally grateful.

    Client testimonial about Sophie Allinson - Motoring

    Thank you for all your help with the exceptional hardship hearing. Whilst I am sure you have many far more serious cases to deal with, I found you and everyone at David Gray to be friendly, helpful, efficient and professional which all went to produce a successful outcome.

    Client testimonial about Brian Hegarty - Motoring

    I just wanted to say a heart felt thank you for your skill, professionalism and expertise yesterday. You achieved an outcome I did not even think possible.

    Client testimonial about Janice Hall - Crime & Motoring

    I was handled very well by Michael, I had no idea how any of it was going to run & you did what seemed to me an excellent job of explaining everything and helping me get everything ready for today. Michael was great and put me at ease over the phone and today at court. As he said to me afterwards I got pretty much the best possible outcome from a bad situation. So thanks again to you both.

    Client testimonial about Michael Gibson - Motoring

    First class service all round thank you

    Client testimonial about Michael Gibson - Motoring & Crime

Our motoring solicitors 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.

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.

Police can offer Fixed Penalties of 6 penalty points and a £300 fine for offences of driving uninsured 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.

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 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.

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 solicitors to assist in presenting evidence of this to a 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 – 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 license is important to you, get the best advice and representation BEFORE you go to court.

Our fees

In accordance with rules published by the SRA, as of December 2018, all firms offering this type of work must publish details of prices and personnel undertaking the work. Please see our dedicated fees page for more information.

The team specialising in this area of work

  • Solicitor
  • Solicitor
  • Solicitor
  • Solicitor
  • Legal Assistant
  • Legal Assistant