If you use, cause or allow a motor vehicle to be driven in a public place without insurance, it is classed as a serious offence and you will be issued with an IN10 Conviction. IN10 convictions are issued to people who do not have the minimum third party liability cover. Third party cover means that if you are involved in an accident with another person, your insurance will cover any liability you have for damage to their vehicle, or any injuries they have sustained.
The penalties for driving without insurance vary. At best, you will be issued with a Fixed Penalty Notice, a £300 fine and six points on your licence. At worst, you could receive a £5,000 fine and eight points on your licence. Being caught without insurance does not result in a straight ban, however, if you already have some penalty endorsements on your licence for offences such as speeding, you may find that your points have ‘totted up’ and you end up with a ban.
However, while we do not pretend it will not cost you more, Insurance Revolution can find affordable cover for people with driving without insurance convictions. As specialists in convicted driver insurance, we can find competitive rates for our customers where other brokers can’t.