Penalties for driving uninsured

The driver

If you’re caught driving uninsured, you could be looking at:

  • A £300 fixed penalty and 6 points on your licence
  • Losing your car if it’s seized by the police
  • A £20–per day storage charge and a £150 collection fee to recover your car
  • A crushed car if it’s not reclaimed within 14 days
  • PLUS: you’ll need valid insurance to get your car back

The car

You must insure your car, even if it’s parked or stored in a garage and you’re not driving it*. If your car doesn’t have valid insurance you could face:

  • A £100 fixed penalty
  • Having your car clamped, seized and crushed
  • Court prosecution with a maximum fine of £1,000
  • Even more penalties if you’re caught driving it!

*Unless it has been declared off-the-road (SORN) to the DVLA or reported stolen