It is a legal requirement to have car insurance if you are driving a vehicle on a UK road. Third party is the minimum amount of insurance you are permitted to have.

The price of driving without car insurance is, literally, a high one. is here to help you compare policies to find one that is best for your individual circumstances. However, today we are here to let you know the consequences of not having car insurance.

Fixed penalty notices

If your vehicle isn’t kept on the road and is declared as such, you don’t need car insurance. That being said, if you do have an uninsured vehicle on the road, you could face a fixed penalty notice of £100.


You could face a court prosecution for being an uninsured driver. While a fixed penalty notice is generally enough to deter people from driving without car insurance, a court prosecution could lead to a possible maximum fine of up to £1,000. No matter how large the fine you receive, you will still be obliged to pay for car insurance on top of the penalty.

Destruction of your vehicle

A fate worse than prosecution for many petrol heads is the prospect of having their car impounded or destroyed. Nonetheless, this is a possible outcome for many uninsured drivers. Driving without car insurance means you run the risk of having your car clamped, impounded or crushed.

Bear in mind, no matter who is driving the car, the registered owner is the person responsible for insuring it and the person who could be penalised.

Caught driving without insurance

If you are physically caught driving without car insurance, the penalties are significantly higher. You could face a £300 fixed penalty from the police and get six penalty points on your licence.

A £300 fine could be the last of your worries, though. Driving with no car insurance can also lead to an unlimited fine, as well as having your vehicle destroyed. Furthermore, you could even be disqualified from driving, ending all your fun on the road.

Compare car insurance policies at today, to ensure you are fully insured to legally drive on UK roads.

This should not be construed as advice and is for guidance only.