There’s no excuse for driving without valid insurance – it’s illegal.
This Pay As You Flex product does not provide Continuous Motor Insurance. According to section 143 of the Road Traffic Act, anyone who uses, causes or permits a person to use a vehicle on roads and in public places in the United Kingdom (UK), must have an insurance policy in place. Parking a vehicle on the road also falls within the category of ‘uses’.
You are required to have a separate valid personal Social, Domestic and Pleasure (SD&P) motor vehicle insurance Policy in place, with a minimum of third party insurance to meet Your Requirement for Valid Continuous Motor Insurance.
If a vehicle is found to be Uninsured, you could:
- Be fined £100
- Have your vehicle wheel-clamped, impounded or destroyed
- Be taken to court
It’s illegal to drive a vehicle on a road or in a public place in the UK without at least third-party insurance.
Even if the vehicle itself is insured, if you are not correctly insured to drive it you could get penalised, receive a fixed penalty, penalty points, an unlimited fine or disqualified from driving. The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.
Other costs you may also be liable for include:
- A higher car insurance premium in the future
- Costs associated with an accident or claim.