Driving With No Insurance Solicitors

Call 0161 832 3852 today

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DRIVING WITHOUT INSURANCE (IN10 APPEALS AND OFFENCES)

Driving without insurance is a very serious motoring offence and will have a number of consequences for the driver if convicted. When convicted a drivers’ licence will be endorsed with an IN10 Driving Without Insurance conviction code which will mean much higher insurance premiums in the future. This could, however, be the least of your problems if convicted of such a serious driving offence.

Brian Koffman & Co. has a 96% positive result rate.

If you have been charged with an offence of driving without insurance, call us for a free no obligation discussion about your options to see if you are at risk of being disqualified.  Whether you are looking to defend the case entirely or seeking to avoid a disqualification, we can help. 

To get in touch with our expert motoring offence solicitors who provide the best privately funded legal representation call us or submit an enquiry and we will get back to you at a convenient time for you.  

Dani Petrasuc
Dani Petrasuc
09:49 30 Dec 22
I would highly recommend using Brian Koffman& Co Solicitors. I received high quality services for the duration of my case, with the right level of honesty and reassurance. I can assure you will... receive an excellent bespoke service from beginning to end. In my case was even better than the best possible outcome I was expecting.Excellent legal advice, excellent and professional customer service, outstanding legal representation. I would have no hesitation at all in recommending them to anyone who needs their services.My sincere regards to the entire team at Brian Koffman&Co Solicitorsread more
William Pattinson
William Pattinson
12:39 29 Nov 22
I found Brian after a recommendation from another Solicitor.Both himself & his assistant were both very helpful and very reactive to both phone calls & email.I had no prior experience of attending... court, however Brian made me feel at ease as to what to expect.The case in which I was involved, was quite complex, however his professionalism and attention to detail made sure I received the best possible outcome.I would recommend him to othersread more
Ken Haughton
Ken Haughton
15:53 15 Nov 22
I would like to take this opportunity to post a big thank you to Brian Koffman for his excellent service during my recent court case. I was facing a lengthy ban and the possibility of losing my job,... Brian did a great job for me, i kept my job!!Should you require assistance with a driving offence Brian is the person to hire.Professional, meticulous, leaves nothing to chance.Thank you Brianread more
Antony Boffey
Antony Boffey
08:39 06 Nov 22
I won't go into too much detail but around 6 weeks ago due to an admin error I received a letter with 6 points and almost £1000 fine.Results from this would have been:Banned from drivingLoss of... jobLoss of houseWedding cancelledHoneymoon cancelledThe results would have ruined my life.One email and meeting with Brian and all this was sorted. Completely stress free and both him and his assistant were amazing.Couldn't rate them high enoughThank you.read more
Efoski Entertainment
Efoski Entertainment
09:11 29 Sep 22
Mr Koffman fantastic well for me. He was very informative and supportive. His professionalism was outstanding and victory was our at the end. I most say Brian Koffman and Co Solicitors are this best... in this game..read more
Ali P
Ali P
13:27 23 Aug 22
Getting a notice of prosecution on Christmas Eve was not what I wanted. However, after emailing Brian the day after Boxing Day he called me straight away, completely above and beyond during the... holiday period.His knowledge is this area is amazing and the the advice he gave me put my mind at rest and made me hopeful that he could resolve the case without me receiving a ban.Due to covid back log the case was very drawn out but the moment I heard from the courts, Brian was at the other end of the phone and he remembered my case every time, which shows a great personal touch. You wouldn’t get that with a large firm.Brian managed to resolve the case with reduced points and I am extremely grateful for his help as a totting up ban would have been catastrophic for me.He was brilliant during what has been a very stressful 8 months.read more
Nichola Jackson
Nichola Jackson
09:51 08 Aug 22
We would not hesitate in recommending Mr Koffman, he dealt with my husbands case very professionally and compassionately. WE cannot thank him enough.
chris rodgers
chris rodgers
07:59 21 Jul 22
I have recently used brain to represent me with a driving affence,With a very frustrating case and my case management hearing date changing dates a number of times to my actual trail date changing... dates a number of times, Brian was professional throughout and assured me throughout, it was clear from the start brains knowledge and professionalism was going to help me, after nearly three years of this case dragging out we finally got the trail date, and the outcome was outstanding, Brian is in the process of claiming some of my legal fees back which will also be a massive help for me, I couldent recommend Brian enough and would not hesitate to contact again if I needed to, thankyou brain.read more
Jamie White
Jamie White
14:57 15 Jul 22
Brian did a truly fantastic job here, listening closely and making detailed notes to my version of events, working tirelessly to find the best possible outcome and providing excellent advice and... support to both myself and my family over this particularly challenging and stressful time.Thank you Brian.read more
James Hurst
James Hurst
17:52 25 May 22
I approached Brian due to totting up points on my licence. Three more points could have resulted in me being disqualified from driving and as a Courier this would have cost me my Livelihood.Brian... decided that the best route to take would be to enter a plea of exceptional hardship. He explained everything clearly and guided me through the process whilst reducing the considerable stress I was under.His efforts secured me the best possible outcome. Not only did I keep my licence, I also received the lowest possible fine.I can't recommend Brian highly enough and would urge anyone in similar circumstances to contact Brian Koffman & Co Solicitors without hesitation.Thank you Brian.read more
eleanor perretta
eleanor perretta
15:48 23 May 22
I have just contacted Brian to get some advice regarding a motoring offence - as the website indicates they pride themselves on these cases.It was my first experience of having a penalty of this... nature and was looking to instruct a solicitor to gain some advice on the best steps.He was incredibly blunt and rude. He compared my enquiry to the likes of a doctor seeing a patient with no knowledge of the symptoms? Despite me being on the phone to answer any questions regarding the offence in question.Completely bizarre and rude, with him then hanging up on me.read more
Surojit Sen
Surojit Sen
18:53 31 Mar 22
I would like to say a big Thank to Mr Brian Koffman. I’m so pleased to say that he has dealt my case so well. I had no prior experience to attend the court in my life. He made me everything clear... about what I will be expecting on my hearing. He explained everything step by step which has definitely helped me a lot.He is such a brilliant lawyer. He made me win the case. He is very professional, honest and an experience lawyer. I do highly recommend him. I’m giving him 5 stars. Thanks a lot.read more
Kell h
Kell h
19:53 24 Feb 22
Excellent solicitor very good at what he does. yes I would recommend, outstanding results in the court room very inpressed. thank you Brian.
Shohib Shah
Shohib Shah
13:01 17 Feb 22
Where do I start from I mean It was a fantastic experience, Mr koffmans level of service and professionalism is just at very high level and would recommend them to everyone and just can't thank him... enoughread more
Ahdil Hussain
Ahdil Hussain
02:39 10 Feb 22
EXCELLENT SERVICE you won’t be disappointed that’s all I can say …..
spencer orme
spencer orme
12:17 20 Dec 21
Brian was fantastic with his services, his professionalism, his extensive knowledge put me at ease. Everything he did was to the absolute best of his ability. I can’t thank him enough for... representing me in my caseread more
Tim Gill
Tim Gill
15:37 07 Dec 21
Very professional service with attention to detail. Highly recommended!
Steven Brown
Steven Brown
20:23 30 Nov 21
I recently enlisted the services of Brian Koffman to represent me in court for a speeding offence.Right from my first discussions with Brian I found him very friendly and highly professional.He... explained everything in detail and in an easy to understand method.In court Brian put my case forward with great experience and professionalism and we both got the outcome we hoped for.I wouldn't hesitate in recommending Brian to anyone.read more
Hamid Mian
Hamid Mian
16:48 18 Nov 21
I needed immediate legal assistance regarding a recent motoring offence. Mr. Brian was very professional and talked me through the case and my options. I would highly recommend to anyone in need of... legal advice.read more
Cameron Bruce
Cameron Bruce
19:24 18 Oct 21
Brian was very helpful and communication was brilliant throughout the process. He got me the best possible result on the day without the need to attend court. Would highly recommend his services.
Shananay Watson
Shananay Watson
16:10 13 Oct 21
I searched endless for a trusted motoring solicitor and couldnt find anyone i deemed suitable until B.Koffman & Co.In recent months Mr. Koffman has dealt with everything associated with my Fathers... case from phonecalls to documentation ect.Upon first meeting Mr. Koffman explained in detail what repercussions my Father could face as a result of his driving offences, following our understand Mr. Koffman immediately turned his attention to how he could help.With afew meetings and several telephone calls a decision was made on how to proceed, following this Mr. Koffman travelled to us in order to attend court & won our case!I cannot recommend him enough, everything was done to perfection and no stone was left unturned.5* absolutely.If ever you have a motoring issue Mr. Koffman is the man to see.We have already recommended him to friends and will continue to do so.Thank you again Mr. Koffmanread more
Emma Bingham
Emma Bingham
18:12 24 Sep 21
I went to Brian when I received a letter due to a driving offence. He fully explain what I was being charged with and the options that were available to me. Brian represented me in court and in the... end managed to achieve a better than expected outcome. I would have no hesitation in recommending Brian to anyone and highly recommend.read more
Andrew Ritchie
Andrew Ritchie
14:53 28 Jul 21
I cannot thank Brian enough for the amount of commitment he put in to my case! He was able to explain the court process in simple terms, and I felt at ease knowing that someone so highly professional... was dealing with my case. His advice resulted in the case being dropped and it ended in my favour. After my experience I would definitely recommend Brian, as he handled everything so efficiently. If anyone is looking for a motoring and criminal law solicitor that goes above and beyond, Brian is YOUR MAN!read more
Chris Edward
Chris Edward
13:47 06 Jul 21
I highly recommend the team at Motoring Offence Solicitors. They helped me expertly when I really needed it. Diligent, professional, highly knowledgeable and considering what I was facing, absolutely... amazing value. Thank you Brian and teamread more
Ged Cosgrove
Ged Cosgrove
18:17 13 Jun 21
I have had to use Brian’s services on a few occasions and have also recommended his services to clients, friends and family. I have always found Brian to be professional In my dealings with him, he... explains everything in layman’s terms and has always advised as to the right course of action. I have never been disappointed and have always been happy with the final outcome.read more
Louis Barron
Louis Barron
14:20 11 Jun 21
I called Brian at very short notice about handling a case for me and he was incredibly helpful straight away - he clearly explained the situation and my options, and represented me at court to... prevent me having to travel across half the country.He got me the outcome I requested and I couldn't recommend him or his services highly enough. I chose him from his excellent google reviews just like this one, and now can see why he is so highly regarded!Thanks again Brian.read more
Emma Wright
Emma Wright
11:37 11 May 21
I cannot thank Brian enough for all his hard work involved in helping me get the best possible outcome for a recent motoring offence. Brian has been very responsive and articulate throughout the... whole process which has made me feel at ease knowing I am dealing with a professional at the scary time of preparing for and going to court. I will recommend Brian to anyone who needs a professional to help them with any motoring offences.Hopefully, I never need to use you again, but if I do, you will definitely be the solicitor I use.Thank you again for helping me.read more
Andrea Lumb
Andrea Lumb
10:59 23 Apr 21
I have recently had the pleasure of dealing with Brian regarding a motoring offence for a close friend of mine. Brian has been amazing throughout the whole process with regular and clear... communication. Brian is professional and extremely knowledgeable in his field of expertise. Furthermore, and more importantly, Brian managed to get my friend the best possible outcome that we just didn’t think was possible. Hopefully, I never have to use Brian personally, however if I do commit a motoring offence, he will definitely be the man I call. I have already referred a family member of mine to Brian as I know he will be taken care of.Brian, thank you once again for all your hard work which in turn gave us the best possible outcome.read more
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Talk to an experienced motoring offence solicitor today.

or Call 0161 832 3852

WHAT IS DRIVING WITHOUT INSURANCE?

In the UK, it is Illegal, and therefore an offence, to drive a motor vehicle on a road or other public place without insurance cover.  

Driving Without Insurance is a strict liability offence. A strict liability motoring offence does not require any knowledge or intention that an offence was being committed. The Police or Crown prosecution services need merely to demonstrate that a vehicle was driven by a driver who was not insured to do so. 

Car Insurance essentially underpins our ability to drive on the roads. The 1988 Road Traffic Act stipulates that all motorists must be insured against their liability to other road users. Third party insurance is the minimum level of insurance needed, as this provides insurance should you be involved in a road traffic accident and are deemed to be responsible for causing the accident. 

79,000 uninsured UK drivers were caught in the act in 2018, of these, 872 were under the legal driving age of 17. Studies also show that the most common age to be caught driving with no car insurance was 24 years of age. Motor Insurer’s Bureau (MIB) figures also reveal, that in 2018, there were 26,000+ personal injury claims paid out due injuries caused in Road Traffic accidents by untraceable drivers.

When charged with Driving Without Insurance, It is up to the defendant to prove that he had valid insurance cover, and the driver is required to be able to produce a certificate of insurance or policy to show that he was insured. It is not sufficient that the car you are driving is insured by someone else. If the insurance is in someone else’s name and you are not a named driver or covered comprehensively by your own insurance, you will be committing an offence.

In today’s motoring and road traffic environment, driving without insurance is all the riskier due to the prevalence of automatic number plate recognition cameras at work across our town, cities, and road networks. 

The only occasion where driving without insurance is permissible is where a vehicle is driven on private land to which the public have no right of access.

WHAT ARE THE PENALTIES FOR DRIVING WITHOUT INSURANCE?

The offence of ‘Driving Without Insurance’ alone, is not punishable by a custodial sentence. Irrespective of further penalties that may be handed down, it is certain that an IN10 endorsement will be placed on your driving licence and will remain for 4 years.  

If you are stopped by the Police and charged for Driving Without Insurance. They may choose to issue a fixed penalty notice:

  • A fixed penalty fine of £300
  • 6 penalty points

If you do not accept your guilt and the fixed penalty, then your case may go to Court. Your case may go to Court anyway, if the police deem your offence to be one of a more serious nature, i.e. If the driver has never passed a driving test or if you are involved in an accident. 

If your case does go to court, then penalties for being found guilty of Driving with no Insurance may become more severe. 

A court can:

  • Issue a heavier fine than the fixed penalty fine of £300 
  • Disqualify you from driving

The police are also given powers to:

  • Seize the vehicle (even if it is not your vehicle)
  • Destroy the vehicle

You may also be liable for:

  • Higher car insurance premiums
  • Costs associate with personal injury or damage to other vehicle or property if you are involved in an accident. 

The maximum penalty for Driving Without Insurance is 12-months disqualification and an unlimited fine.

HOW ARE THE PENALTIES FOR DRIVING WITHOUT INSURANCE DECIDED?

The court will decide the penalty for the offence of driving without insurance by considering the factors specific to your case that make the offence more or less serious.  This is a two-step process.  The first step is to decide the offence category which is done by looking at the offender’s culpability and the harm caused.

There are three offence categories as follows:

Category 1 – Higher culpability and greater harm

This is the most serious category of offence for driving without insurance.

The sentence for a category 1 offence is disqualification for between 6 and 12 months and a Band C fine which is between 125% and 175% of relevant weekly income. 

Category 2 – Higher culpability and lesser harm or lower culpability and greater harm

The sentence for a category 2 offence is disqualification for up to 6 months or 8 penalty points and a Band C fine which is between 125% and 175% of relevant weekly income. 

Category 3 – Lower culpability and lesser harm

The sentence range for this category is 6 to 8 penalty points and a Band B or C fine.

Band B fines are between 75% and 125% of relevant weekly income.

young driver

Once the category of offence has been decided, the court will adjust the sentence within the defined range for that category by considering any aggravating or mitigating factors.  If any combination of these factors is present, the provisional sentence will be at the upper or lower ends of the ranges set out above.

The court will consider factors relevant to the context of the offence and to the offender including:

  • evidence of sustained use of the vehicle by the driver (knowingly without insurance)
  • driver having never passed a test
  • driving for hire or reward (i.e. working as a taxi driver, Uber driver or delivery driver etc)
  • if the vehicle being used was an LGV, HGV, PSV etc
  • giving false details
  • the offender having previous convictions
  • involvement in an accident causing injury to others
  • involvement in an accident causing damage

Where there is evidence of higher culpability such as the actions listed above, the court will generally impose longer periods of disqualification and/or higher fines.

Factors which may reduce the seriousness of the offence include:

  • A genuine misunderstanding
  • The vehicle was not being driven
  • No previous convictions
  • A recent failure to renew or transfer vehicle details from an existing insurance policy

If convicted of the offence of driving without insurance, the conviction will stay on your licence for 4 years and you will need to disclose it to insurance companies for an additional year.  Failure to do so is also an offence and it would mean the insurance policy you took out was invalid.

SPECIAL REASONS NOT TO ENDORSE IN DRIVING WITHOUT INSURANCE CASES

There is no defence to ‘Driving Without Insurance’, save for the one exception, which is the statutory defence for employees under s143 (5) Road Traffic Act 1988. 

Even though there is no defence to this charge for most road users, it may be possible to argue that ‘special reasons’ should be considered by the courts before judgement is passed. Special Reason arguments can be put forward in your defence to lessen the degree of your punishment. 

In terms of Driving without Insurance, a special reason argument is essentially an admission that you were indeed driving a vehicle with no valid insurance, but that mitigating circumstances exist as to the cause of the offence. Such arguments can be accounted for by the Courts where the guilty person holds a genuine and reasonable belief that insurance existed for them to use the vehicle. 

‘Special reasons’ arguments are technically complex areas of the law relating to how the offence was committed. Our team are best placed to advise you over your specific circumstances. Detailed analysis of the individual facts and careful presentation in court are fundamental to the chances of a ‘special reasons’ argument succeeding in Court.

Relevant ‘Special Reason ‘examples would include:

  • An insurance policy being cancelled by a provider, with no notification being sent to the holder
  • Where no insurance policy exists due to fault of the provider alone
  • A person being informed (by the vehicle or policyholder) that they can drive the vehicle legally 

Our experience will help to quickly identify whether a special reason argument is plausible and likely to succeed. We will also provide an opinion on the most effective way to demonstrate our argument and the relevant evidence to the Court. Evidence presented in Court may take any of the following forms:

  • Sworn evidence from a witness
  • Witness statements put into proper format and served on the prosecution
  • Agreed evidence
  • Legal submissions.
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DEFENDING THE CASE

It is important to get specialist legal advice as soon as possible to give yourself the best chance of success in a no insurance case.  Whether you are contacting us before or after a police interview, we are here to provide expert advice, assistance and representation. 

By working with our team, we can offer you the benefits of:

  • over 40 years’ experience
  • specialisation in this field of work
  • an award-winning practice
  • nationwide coverage
  • expert advocates

We will help you understand:

  • What defence may be available to you including any potential legal issues that might crop up
  • The minimum sentence that can be passed if you plead guilty

HOW CAN WE HELP AND WHY CHOOSE US?

If you have been convicted of Driving Without Insurance and you wish to defend yourself, at least to offer mitigating circumstance to the courts in order to ward off the likelihood of receiving stiff punishment, You will need the expertise of Motoring Solicitors with vast experience in these kinds of cases. The knowledge, expertise and high success rate of Brian Koffman and the team at Motoring Offence Solicitors will ensure you have the best chance of reaching a positive outcome. 

With over 40 years of experience, we provide you with a highly skilled, efficient, and discreet advocacy and representation. 

THE EXPERIENCE WE BRING

  • The personal attention of Brian Koffman to each case
  • A large team of expert advocates available
  • Highly regarded among fellow professionals
  • Access to forensic experts
  • Wide geographical coverage

We will quickly help you understand:

  • What defence may be available to you including any potential legal issues that might crop up 
  • The minimum sentence that can be passed if you plead guilty

CONTACT US TODAY

If you have been caught and charged for driving without insurance or driving without a licence, then for specialist legal advice about how to avoid being disqualified, please contact Brian Koffman. 

Motoring Offence Solicitors offer the very best privately funded legal representation to clients accused of driving offences in Manchester and across the UK. 

Call our team today on 0161 832 3852 or complete the enquiry form below.

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