Be sure to confirm that the car is insured. If not, you could face serious consequences if caught driving without insurance. This includes license suspension and fines up to $50,000, even if it is not your vehicle. Letting someone drive your car is not a decision you should take too lightly.

Is no insurance an absolute offence?

Driving without car insurance is an absolute offence and cannot be excused. However, if you have been caught driving without insurance, you should get in touch with one of our specialist solicitors as soon as possible to discuss your options at the earliest opportunity and secure the best outcome for your case.

Can someone who doesn’t have insurance drive my car?

If a friend or a family member has an accident and isn’t insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.

How long is the ban for no insurance?

Driving without insurance is a serious offence which can result in an immediate disqualification from driving. A driving ban can often be in the region of 28 days but can also be substantially longer for repeat offences.

Can you get 3 points for no insurance?

According to the Road Traffic Act, any person who keeps their car on a road must have a valid insurance policy; parking on the road counts as a ‘use’ of the road. The offence of keeping a vehicle without insurance, as opposed to using it or driving it, carries a fine but no penalty points.

Who is liable if someone else gets into my car?

Since it was your car and therefore your insurance applies, you can be held personally responsible for covering the rest of the costs, which could be financially damaging. Before letting a friend borrow your car, you should know if they have insurance coverage.

Who is liable in a car accident if the owner is not at fault?

Therefore, a car owner is NOT liable for any accident that a friend, family member, or other borrower causes while operating the owner’s car. BUT, the car owner’s insurance will provide primary coverage for the person operating the car (if that person had permission to drive).

What happens if a friend takes my car without insurance?

Use of vehicle by a friend or family member: If your friend takes your car without your permission, their coverage would likely pay first and yours would step in to fill in the gaps. Use of your vehicle by an uninsured friend: If your friend takes your car without permission and is uninsured, you can expect your own car insurance coverage to pay.

Is it true that car insurance follows the driver?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.