You’re stopped by the police for some reason. You realise you were not speeding or doing anything wrong, until they tell you that you have been driving without insurance and offer you a fixed penalty and a fine. You may be thinking this is absolutely outrageous, as you sorted your insurance online ages ago? However, you later find out that your insurance direct debit has lapsed. Surely you have a defence, right? This unfortunately is not the case.
Driving without insurance is considered a strict liability offence. This means that the offence of driving without insurance does not need proof of your intention to result in a conviction.
Any person driving a motor vehicle must have at least third party insurance in place to drive the particular vehicle. People frequently mistakenly assume that fully comprehensive insurance allows them to drive any vehicle. This is not automatically the case and you need to check the wording of the policy very carefully to see what it says about the extent of the cover.