It is against the law to use a vehicle if you do not have a valid insurance certificate that says you are covered to use it at that particular time.
Due to the potential legal implications if you were to crash while driving an uninsured vehicle, this offence is taken very seriously by the Magistrates Court.
For you to be found guilty of driving without insurance, the Prosecution only has to prove that you were indeed using the car on a public road at the time in question and it is down to you to prove that you had insurance, its not down to them to prove that you didn't. This is because it would be nearly impossible fort the prosecutors to go to every insurance company in the country and check that you weren't insured, and so you must provide valid documentation that proves you were insured, or you will be found guilty.
Something that catches most people out when accused of having no insurance is that you dont actually have to be driving the vehicle to be guilty of the no insurance offence. The law states that you only have to be using the vehicle. Having use of the vehicle can mean that the vehicle can simply be parked on a public road outside your house and if it has no insurance you will be liable for the punishment.
Another common way in which people get accused of driving with no insurance, not believing that they have actually done so is when they believe that their fully comprehensive insurance policy means that they can drive anyone's car with their permission. Many insurance policies do not actually state that this is allowed.
It is of the utmost importance that you full understand and have read everything in you insurance policy. You must ensure that whenever you go to drive your own vehicle, or someone else's that you are indeed covered and are legally allowed to be driving that vehicle at that time. - 29952
Due to the potential legal implications if you were to crash while driving an uninsured vehicle, this offence is taken very seriously by the Magistrates Court.
For you to be found guilty of driving without insurance, the Prosecution only has to prove that you were indeed using the car on a public road at the time in question and it is down to you to prove that you had insurance, its not down to them to prove that you didn't. This is because it would be nearly impossible fort the prosecutors to go to every insurance company in the country and check that you weren't insured, and so you must provide valid documentation that proves you were insured, or you will be found guilty.
Something that catches most people out when accused of having no insurance is that you dont actually have to be driving the vehicle to be guilty of the no insurance offence. The law states that you only have to be using the vehicle. Having use of the vehicle can mean that the vehicle can simply be parked on a public road outside your house and if it has no insurance you will be liable for the punishment.
Another common way in which people get accused of driving with no insurance, not believing that they have actually done so is when they believe that their fully comprehensive insurance policy means that they can drive anyone's car with their permission. Many insurance policies do not actually state that this is allowed.
It is of the utmost importance that you full understand and have read everything in you insurance policy. You must ensure that whenever you go to drive your own vehicle, or someone else's that you are indeed covered and are legally allowed to be driving that vehicle at that time. - 29952
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