What are the risks incurred by driving without a license and forgetting your insurance?

About 770 drivers are said to be driving without a license and without insurance. There are many reasons. However, driving without a license or insurance can entail many risks and even constitutes an offense. During a ro-ro check, the driver must present the insurance card, his driving license and the gray card of the vehicle concerned. What are the penalties for driving without a license and without insurance?

Driving a vehicle without having a license

Driving without a license is a serious offense and any driver behind the wheel without a driving license will have to pay a fixed fine of 800 euros. Other penalties are nevertheless provided for by law.

Article L.221-2 of the Highway Code mentions that a driver without a license will have to pay a fine of 15 euros up to a prison sentence of 000 year.

Driving license France
French driving license

Driving after license withdrawal

According to the Highway Code, driving a vehicle (motorcycle or car) after a license suspension is punishable by a fine of up to 4 euros, 500 years' imprisonment, withdrawal of 2 points, a suspension or cancellation of the license and the ban on retaking it before 6 years.

In the event of a repeat offense, the penalties and prison terms pronounced by the court may be doubled.

Is it possible to drive without car insurance?

Law n ° 58-208 of February 27, 1958 makes third-party insurance compulsory, with civil liability coverage for all motor vehicles. These must always be insured even if they are no longer circulating, due to the damage they can cause such as fires.

Possible sanctions

Driving without car insurance is a punishable offense, up to and including license suspension and prohibition from driving.

In the event of a serious accident, the Highway Code provides for a fine of 3 euros and a withdrawal of 750 points on the license for the driver driving without being insured. The criminal court may require the confiscation of the vehicle, a sentence of community service and a road safety awareness course which will be carried out at the driver's expense.

If you forget your documents during an inspection

You will only be charged a fixed fine of 11 euros for the permit, provided you go to a police station or a gendarmerie. The fine will be 35 euros for failure to show the insurance card. For this infraction, no point withdrawal will be made. However, the driver's license, car insurance and vehicle registration document remain mandatory documents to have with you each time you drive.

What solutions to insure at a lower cost?

In France, insurance is sometimes seen as a significant expense, but it can protect you in the event of a claim or accident. Some insurers offer insurance adapted to "small budgets", allowing you to protect yourself without breaking the bank and to limit the risks.

What to remember about driving without a license and without insurance

Driving without a license and without insurance is an offense that may be punishable by criminal penalties for non-compliance with the Highway Code. Insurance is an obligation to protect you in the event of loss and accident. Without insurance, no compensation can be paid to you and if you are liable, damages may then be claimed from you.

Are you still driving when your license is already suspended?

 The insurance will not pay you any compensation even if your contributions are up to date. Driving with a license and insurance guarantees your safety and that of the drivers.

Opt for car insurance to drive serenely

To avoid any problems on the road, or any serious repercussions in the event of an accident, you must now take out car insurance for your vehicle. You can get a auto insurance quote in a few clicks on the Allianz website.

The latter offer contracts adapted to all vehicles and all drivers. Whether you're a young driver or a seasoned driver, you can benefit from advanced protection for you and your car. You will choose from the different degrees of protection available. A distinction is made between third-party insurance, third-party insurance with additional guarantees and all-risk insurance. 

These contracts are often offered in the form of 5 formulas, with different degrees of protection. The more you take an elaborate formula, the more the base price will be important. Note, however, that contract changes are much less expensive when you have subscribed to a premium plan. 

You are accompanied by one of the 6 advisors in the Allianz network, who helps you adjust your contract and define the right cover, taking your profile into account. Do not hesitate to get started now in the simulation of a first contract.

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