Don't manage without insurance in the UK unless you are prepared to stipend Numb penalties.
In addition to receiving points on your license, you will be required to pay a fine. The fine varies from place to place. You can be fined up to 5,000 British pounds (approximately $7,573 as of March 2010), but usually the fine is in the neighborhood of 200 British pounds (about $130 in March 2010).
Points on Your License
A driver who allows someone else to use his vehicle without proper insurance faces the same penalties as someone who drives without insurance. It is important to make sure that all drivers are properly insured before allowing them to drive your vehicle in order to avoid penalties.
For a first offense, drivers will usually be given penalty points on their license. Normally, drivers will receive 6 to 8 penalty points. This puts the driver at greater risk of losing his license should any other moving violations occur.
Fixed Penalty
Driving without insurance is Unlawful in the United Kingdom. Unlike in America, where vehicles are insured for use by almost any driver, in the United Kingdom drivers must be insured to drive specific vehicles. Unfortunately, driving without insurance is a significant problem in the United Kingdom, so penalties for breaking this law are severe. The fine is usually levied in addition to the points on your license; don't be fooled into thinking that you will have to pay a fine instead of receiving penalty points.
Persons who allow uninsured drivers to drive their vehicles may also face a fine, although it may not be as high.
Driving Ban
Drivers who drive without proper insurance put themselves at risk of being banned from driving. This penalty normally occurs after repeated offenses but can be levied with the first offense should the court deem it necessary.
Driving bans can be for 28 days or longer, depending on whether the offender is a serious repeater. The ban is effective immediately and can be issued in conjunction with a fine.
