Laws On Uninsured Vehicles
It is illegal to drive a motor vehicle without a valid insurance certificate covering you to use that vehicle at that time.
The offence of driving without insurance is taken very seriously by the Magistrates Court due to the possible implications if you were to crash.
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.
One of the things that catches most people out in relation to the no insurance offence is that you do not have to actually be driving the vehicle at the time of the alleged offence in order to be guilty. The offence is actually described as using the vehicle without insurance. Using a vehicle can mean "having use of" the vehicle. This means that if the vehicle is parked up on a public road outside your home for example (even if it is broken down) the Court will still find that you had the potential use of the vehicle and therefore if it is uninsured they will find you guilty of using the vehicle without insurance.
Another way in which many people get caught out with the no insurance law is when they believe that their fully comprehensive insurance policy covers them to drive other peoples cars with their permission. A lot of the time, fully comprehensive cover does not actually include this in the policy.
It is extremely important to make sure that you fully understand the terms of your insurance policy and that whenever you drive either your own car or someone else's, that you are actually insured. - 2368
The offence of driving without insurance is taken very seriously by the Magistrates Court due to the possible implications if you were to crash.
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.
One of the things that catches most people out in relation to the no insurance offence is that you do not have to actually be driving the vehicle at the time of the alleged offence in order to be guilty. The offence is actually described as using the vehicle without insurance. Using a vehicle can mean "having use of" the vehicle. This means that if the vehicle is parked up on a public road outside your home for example (even if it is broken down) the Court will still find that you had the potential use of the vehicle and therefore if it is uninsured they will find you guilty of using the vehicle without insurance.
Another way in which many people get caught out with the no insurance law is when they believe that their fully comprehensive insurance policy covers them to drive other peoples cars with their permission. A lot of the time, fully comprehensive cover does not actually include this in the policy.
It is extremely important to make sure that you fully understand the terms of your insurance policy and that whenever you drive either your own car or someone else's, that you are actually insured. - 2368
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For more information about motoring law advice please click driving with no insurance.
posted by Frank Potter at 1:31 AM
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