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2 drivers arguing after a crash, and one was driving without insurance

What happens if you get caught driving without insurance?

If you’re caught driving without insurance, you could be convicted convicted of driving without valid insurance. If you are, you will receive an IN10 endorsement on your licence.

If you’re stopped and asked to present your insurance documents, you have seven days to provide the police with an up-to-date insurance certificate. It has to be valid at the time you were stopped, not the time you send it.

The police can give you a fixed penalty of £300 and 6 penalty points if you’re caught driving a vehicle you’re not insured to drive.

If the case goes to court you could get:

  • an unlimited fine
  • disqualified from driving

The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.

Penalties for driving without insurance

How long do IN10 penalty points stay on your licence?

If convicted of driving without insurance, your IN10 conviction will remain on your licence for 4 years. However, you will need to disclose it to insurance companies for a further year.

How many points can I get for having no insurance?

Along with the endorsement remaining for 4 years, you could receive 6-8 points on your licence for driving without insurance, which puts you at risk of a totting up ban.

What’s the maximum fine for driving without insurance?

Another penalty for driving without insurance that you could have received is a fixed fine of up to a £300 by the officer who stopped you. If your case continues to the Magistrates court, you could receive an unlimited fine. Although not common for first time offenders, a driving ban is a possible penalty of driving without insurance.

Conviction Code Offence Penalty Points Duration Conviction Stays on your Licence Duration you have to disclose to your Insurance provider
IN10 Using a Vehicle uninsured against third party risks 6 – 8 points 4 Years from the date of the offence 5 years from the date of the offence

Click here to view all motor conviction codes

Why you got an IN10 conviction

Many people are found ‘guilty’ of driving without insurance because of innocent misunderstandings, like a missed payment on their policy or confusion as to what their policy covers.

It’s not uncommon for people charged with driving without insurance to simply have the wrong type of insurance policy, or to have mistakenly put the incorrect information on their policy.

For example, a large number of UK drivers unknowingly require a business car insurance policy. However, they often only have a domestic & commuting policy because they’re unaware of what policy they need. These drivers are on the roads with the wrong type of insurance, which may invalidate their existing policy and they have no idea.

Another common cause for drivers to receive an IN10 endorsement on their drivers licence is because of undeclared modifications on their cars. This could be because the driver was unaware of the modifications when they purchased the vehicle, or because they were unaware they had to declare their modifications. It’s safest to declare all modification to your insurance provider. Otherwise your car, along with your modifications, may not be covered under your policy.

Unfortunately, as an ‘absolute’ offence, there is usually very little defence for drivers accused of driving without insurance.

How do you get caught driving without insurance?

Firstly there is the motor insurance database where every car insurance policy is listed. This is checked by the DVLA and police to continuously enforce motor insurance laws. Once a policy is bought, this is added to the database by the insurance company and any cancellations or non-payments are updated on here.

There are also automatic number plate recognition cameras which enable the police to check your registration against the motor insurance database. This lets them see whether or not your vehicle is insured and track drivers down.

IN10 car insurance

A major penalty of driving without insurance is 5 years of high insurance premiums. Because you are seen as a high risk insurance policy, most insurance providers will significantly increase your premium, if they offer you a quote at all. However, at Keith Michaels you are treated as a person and not just a policy number. We’ll provide IN10 car insurance quotes that are tailored to your circumstance so your premium can be kept as low as possible.

You are able to keep your insurance premium down by seeking out specific IN10 car insurance policies. Our specialist convicted driver insurance brokers will help you find the best insurance policy for the lowest price possible.

It is essential that you disclose any convictions you have when getting a car insurance quote otherwise you will be breaking the law and could face an even larger fine. Not only that but it will completely invalidate your insurance and if stopped by the police, you will receive a driving ban. This will make it extremely difficult for you to find insurance companies willing to insure you in the future.

For more convicted driver useful information please follow this link.