Any person driving a motor vehicle is required to have at least third party insurance in place to drive that particular vehicle. However, insurance cover is not always straightforward and many people prosecuted for this offence genuinely believed that they were covered by a certificate of insurance when they drove. As harsh as it may seem it is no defence to say you thought you had insurance but your direct debits lapsed.
A phenomenon that has increased in frequency over the last 5 years is people facing prosecution for causing or permitting someone else to drive their car without insurance. If convicted for this offence, you face the same penalty as if you had driven without insurance yourself.
If you supply details of a driver other than yourself in response to a Notice of Intended Prosecution (usually in speed camera or traffic light cases) you may find that the police may come back to you asking for proof of the driver’s insurance. This is quite common in cases where the driver you have named lives abroad.