It is illegal to drive a motor vehicle without a valid insurance certificate covering you to use that vehicle at that time.
Driving without insurance is treated very seriously in the Magistrates Court because of the potential implications if you were to crash when uninsured.
To be found guilty of driving without insurance the Prosecution simply have to prove that you were driving a motor vehicle on a public road at the time of the alleged offence. Because this is a documentary offence the burden passes to the Defendant (you) to prove that you were actually insured at the time you were driving. This is because it would be almost impossible for the Prosecution to prove that you were not insured and they would have to go through every insurance company in the Country using their insurance database to try and establish there was no certificate in place.
One of the most common ways in which people get caught out with the no insurance law is that they may not actually drive the car, but the law states that you only have to have use of the vehicle in order to be liable for punishment under the no insurance law. Having use of the vehicle can simply mean having the vehicle parked on a public road outside your house and if it is not insured, then you can be prosecuted.
Another way in which a lot of people get caught out in relation to insurance offences is because they believe that their fully comprehensive insurance covers them to drive a vehicle owned by another person with their permission. A lot of fully comprehensive insurance policies do not actually have this type of cover as of right. This element of the cover is also sometimes dependant on the age of the policy holder.
It is extremely important to make sure that you fully understand the terms of your insurance policy and that whenever you drive either your own car or someone else's, that you are actually insured. - 23309
Driving without insurance is treated very seriously in the Magistrates Court because of the potential implications if you were to crash when uninsured.
To be found guilty of driving without insurance the Prosecution simply have to prove that you were driving a motor vehicle on a public road at the time of the alleged offence. Because this is a documentary offence the burden passes to the Defendant (you) to prove that you were actually insured at the time you were driving. This is because it would be almost impossible for the Prosecution to prove that you were not insured and they would have to go through every insurance company in the Country using their insurance database to try and establish there was no certificate in place.
One of the most common ways in which people get caught out with the no insurance law is that they may not actually drive the car, but the law states that you only have to have use of the vehicle in order to be liable for punishment under the no insurance law. Having use of the vehicle can simply mean having the vehicle parked on a public road outside your house and if it is not insured, then you can be prosecuted.
Another way in which a lot of people get caught out in relation to insurance offences is because they believe that their fully comprehensive insurance covers them to drive a vehicle owned by another person with their permission. A lot of fully comprehensive insurance policies do not actually have this type of cover as of right. This element of the cover is also sometimes dependant on the age of the policy holder.
It is extremely important to make sure that you fully understand the terms of your insurance policy and that whenever you drive either your own car or someone else's, that you are actually insured. - 23309
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