No insurance

Section 143 of the Road Traffic Act 1988 stipulates that anyone who has use of, allows or permits another person to use, a motor vehicle on a road or in a public place to have a minimum of third party insurance cover in place.

In instances when a person is not covered it is not a defence to be unaware that you did not have the appropriate insurance. However, it is often the case that special reasons apply which can result in the avoidance of the accused driver’s licence being endorsed with any penalty points. This is however subject to the Court’s approval after hearing the evidence and thereafter the court deciding to exercise of their discretion to forego endorsing the licence.

Sentencing Guidelines

Maximum: Level 5 fine

Must endorse and may disqualify.

If no disqualification, then 6-8 points to be endorsed.

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