It is a legal requirement to possess car insurance when driving on a public carriageway. This means that theoretically one can drive without insurance in a place to which there is no public access. Car insurance is available in the following three options: comprehensive, third-party and third-party fire and theft. Comprehensive insurance covers damage to your vehicle, as well as to that of the other party. Third-party insurance covers damage to the other party involved in a road traffic collision. While third-party fire and theft insurance is similar to third-party insurance, except that it covers the owner’s vehicle in the event of fire damage or theft. The law of the land states that a driver must be in possession of third-party insurance, as a minimum, when driving a vehicle in a public access area.
The immediate consequences of driving without any form of vehicle insurance are a fixed penalty fine of £300 and six penalty points against the driver’s license. The police are allowed by law to seize the vehicle, even in the event it is not owned by the person driving it, and the power to destroy it. Courts have greater jurisdiction than the police, depending on the severity of the instance in which a vehicle was being driven without insurance, such as driving a heavy goods vehicle without insurance or driving with neither a driving license nor insurance. Courts can deliver an unlimited fine and even disqualify you from driving. The expenses of driving without insurance are not easily shaken off. The court may consider you liable for paying court costs and you are most likely to receive higher premiums from insurers when you seek a return to the roads.