Driving Without Insurance
Sep 17, 2009 More Saving
Top Sites For Money Saving Tips:
It is illegal to drive a motor vehicle without a valid insurance certificate covering you to use that vehicle at that 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.
In order to be found guilty of driving without insurance, the Prosecutor only has to prove that you were driving the vehicle on a public road at the time in question and it is down to the defendant (you) to prove that you had insurance and you were allowed to be driving it. This is an unusually way of proceeding in court, but it is this way because it would be extremely time consuming and nearly impossible for the Prosecutor to prove that you were not insured because they would have to go to every insurance provider in the country and check that you aren’t insured with each of them. It is therefore your responsibility to prove that you did have insurance to be driving the vehicle at the time in question.
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 of paramount importance that you understand the terms of your insurance policy and you make sure each and every time you drive either your vehicle or someone else’s that you are actually insured.
For more information about free legal advice please click no insurance.
Related Articles
Tags: advice, autos, education, law, legal, leisure, More Saving, motoring, outdoors, outside, recreation, Reference, society, travel, vehicles
Leave a Reply