Laws On Uninsured Vehicles
It is an offence to drive a motor vehicle without a certificate of insurance in place covering you to drive that vehicle on that occasion.
Driving without insurance is treated very seriously in the Magistrates Court because of the potential implications if you were to crash when uninsured.
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 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 of the utmost importance that you full understand and have read everything in you insurance policy. You must ensure that whenever you go to drive your own vehicle, or someone else's that you are indeed covered and are legally allowed to be driving that vehicle at that time. - 23196
Driving without insurance is treated very seriously in the Magistrates Court because of the potential implications if you were to crash when uninsured.
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 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 of the utmost importance that you full understand and have read everything in you insurance policy. You must ensure that whenever you go to drive your own vehicle, or someone else's that you are indeed covered and are legally allowed to be driving that vehicle at that time. - 23196
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posted by X - Men @ 4:25 AM
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