What is best defence for driving without insurance in Australia and UK, best defence is proving you had valid insurance at time, or you had reasonable belief you were insured, or car was not driven on public road, or you were not driver, with evidence of insurance certificate and CTP $400 to $800, as driving without insurance is strict liability offence with fine $500 to $1,000 and demerit points. Best defence for driving without CTP compulsory third party $400 to $800 mandatory for registration in Australia, which is illegal to drive without, with fine $500 to $1,000 and demerit points, is proving you had CTP at time via green slip certificate, or you had reasonable belief car was registered and insured via dealer, or you were not driver, or car was not on public road but private property. For comprehensive and third party property $300 to $500 optional in Australia, no defence needed as not mandatory. In UK where insurance mandatory for all driving, best defence for driving without insurance is proving you had valid insurance certificate, or you were covered as named driver on other policy, or you had reasonable belief you were insured due to employer or dealer driveaway insurance 5 days free, or you did not drive on public road, with evidence of insurance, employer letter and driveaway certificate. For example, if you borrowed car believing you were covered under comprehensive driving other cars extension, you need evidence of policy wording covering driving other cars. So best defence is proof of valid insurance at time, reasonable belief of being insured with evidence, car not on public road, or not driver, with insurance certificate and CTP evidence, otherwise strict liability offence with fine $500 to $1,000 and points, and in UK $300 fine, 6 points and seizure.
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