At Oracle Legal Services has represented many clients who have been charged with Operating a Motor Vehicle without insurance. Driving without insurance is one of the most costly mistakes divers can make.

The charge of operating a motor vehicle without insurance is deemed an extremely serious offence and the penalties reflect that.

If you are found guilty of driving without insurance the penalties are:

*  First time conviction minimum penalty of $5,000 additional 25 % of Surcharge = 6,250

*  Second conviction minimum penalty of $10,000 additional 25 % Surcharge=$12,500

If convicted you are also facing a possible suspension of your driver’s licence for up to one year.

  

Compulsory automobile insurance

2.(1) Subject to the regulations, no owner or lessee of motor vehicle shall,

(a) operate the motor vehicle; or

(b) cause or permit the motor vehicle to be operated,

on a highway unless the motor vehicle is insured under a contract of automobile insurance.

 

Offence

(3) Every owner or lessee of a motor vehicle who,

(a) contravenes subsection (1) of this section or subsection 13(2); or  

(b) surrenders an insurance card for inspection to a police officer, when requested to do so, purporting to show that the motor vehicle is insured under a contract of automobile insurance when the motor vehicle is not so insured, is guilty of an offence and is liable on a first conviction to a fine of not less than $5,000 and not more than $25,000 and on a subsequent conviction to fine of not less than $10,000 and not more than $50,000 and, in addition his or her driver’s licence may be suspended for a period of not more than one year.