driving vehicle without insurance

Using a vehicle without insurance

Under section 145 the policy must be issued by an authorised insurer and must insure for death or bodily injury to any person, or damage to property, caused by, or arising out of, the use of a vehicle on a road in Great Britain, i.e. third party insurance.

  • -8 penalty points; and
  • Discretionary disqualification; and
  • £5000 fine.

Using your employer’s vehicle

A statutory defence is provided by section 143(3) RTA in relation to a driver who unwittingly drives his employer's uninsured vehicle.

You were not on a road or public place

The term "road" is defined at section 142 of the Road Traffic Regulation Act 1984 as any length of highway or other road to which the public has access and includes bridges over which a road passes. The Concise Oxford Dictionary defines "road" as a line of communication for use of foot passengers and vehicles; while in Oxford -v- Austin [1981] RTR 416 it was said to be a definable right of way between two points. The expression 'on a road or other public place' is employed frequently in Road Traffic legislation, for example, in the drafting of moving traffic offences at sections 1-6 RTA. A public place is a place to which the public, or part thereof, have access.

Common offences