Under Continuous Insurance Enforcement, when a registered keeper of a vehicle appears to be uninsured, the Motor Insurers’ Bureau sends them an advisory letter that sets out the steps they need to take to comply with the law. If the keeper fails to comply, their details are transferred to the DVLA for enforcement. This means if a vehicle does not have insurance and has not made a SORN, the registered keeper could face:
-A fixed penalty of £100.
-A court prosecution and if convicted they will face a fine of up to £1,000.
-The vehicle may also be clamped, seized and disposed of.
It doesn’t matter who is driving the car – if you’re the registered keeper, you could get penalised.