This law is applied very strictly
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This law is applied very strictly. If you were to borrow a car from someone who says you are insured to drive it, but it turns out you are not, you can still be found guilty.
It is also a crime to lend a car to someone who is not insured to drive it. You should always check first. Driving without insurance is a serious offence. It attracts a maximum fine of £5,000 plus endorsement of 6 penalty points and a possible discretionary ban of between 2 and 12 months.
The comments below are general and should not be taken as a definitive statement of the law or procedure. Expert advice should always be sought on this area. We have not attempted to cover all the obligations or legal requirements that may arise when an accident occurs.
In the UK it is estimated that one in twenty motorists drive regularly whilst uninsured, adding an estimated £30 a year to the premiums of honest drivers.