Motor Prosecution Defence

Defending you if faced with a driving ban.

Motor Prosecution Defence, provides up to £100,000 of legal representation for a wide range of motoring offences.

The legal fees involved in defending a motoring offence can be eye-wateringly expensive, but Motor Prosecution Defence can help keep these costs down. For drivers with 6 points or less, this benefit provides up to £100,000 of legal representation to defend your rights for a wide range of motoring offences that may lead to an immediate driving ban.

Motor Prosecution Defence provides a simple and sensible way of mitigating any expensive and unexpected legal costs.

Take a look at what offences we've got you covered for below.

Motor Prosecution Defence includes:

  • Up to £100,000 of costs for legal representation
  • Access to a 24/7 legal helpline, 365 days a year
  • Cover for an appeal if you've been convicted following a defence by us

Offences Covered:

Offences which are covered

Accident offences (AC)

  • Failing to stop after an accident
  • Failing to give particulars or report an accident within 24 hours
  • Undefined accident offences

Careless driving (CD 10-30)

  • Driving without due care and attention
  • Driving without reasonable consideration for other road users
  • Driving without due care and attention or without reasonable consideration for other road users

Construction and use (CU)

  • Using a vehicle with defective brakes
  • Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition
  • Using a vehicle with defective tyre(s)
  • Using a vehicle with defective steering
  • Causing or likely to cause danger by reason of load or passengers
  • Breach of requirements as to control of the vehicle, mobile telephone etc

Miscellaneous offences (MS)

  • Leaving a vehicle in a dangerous position
  • Unlawful pillion riding
  • Play street offences
  • Motor racing on the highway
  • Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle)
  • Driving with uncorrected defective eyesight
  • Refusing to submit to an eyesight test
  • Failure to give information as to identity of driver etc

Motorway offences (MW)

  • Contravention of special roads regulations (excluding speed limits)

Pedestrian crossings (PC)

  • Undefined contravention of pedestrian crossing regulations
  • Contravention of pedestrian crossing regulations with moving vehicle
  • Contravention of pedestrian crossing regulations with stationary vehicle

Speed limits (SP)

  • Exceeding goods vehicle speed limits
  • Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
  • Exceeding statutory speed limit on a public road
  • Exceeding passenger vehicle speed limit
  • Exceeding speed limit on a motorway

Traffic direction and signs (TS)

  • Failing to comply with traffic light signals
  • Failing to comply with double white lines
  • Failing to comply with 'stop' sign
  • Failing to comply with direction of a constable/warden
  • Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines)
  • Failing to comply with a school crossing patrol sign
  • Undefined failure to comply with a traffic direction sign

The offences covered also include prosecutions which may result in 12 or more penalty points under the 'totting-up' rules.

Offences which are not covered

Disqualified driver (BA)

  • Driving while disqualified by order of court
  • Attempting to drive while disqualified by order of court

Careless driving offences related to drink or drugs (CD 40-70)

  • Causing death through careless driving when unfit through drink
  • Causing death by careless driving when unfit through drugs
  • Causing death by careless driving with alcohol level above the limit
  • Causing death by careless driving then failing to supply a specimen for alcohol analysis

Causing death by careless driving (CD 80-90)

  • Causing death by careless, or inconsiderate, driving
  • Causing death by driving: unlicensed, disqualified or uninsured drivers

Dangerous driving (DD)

  • Causing serious injury by dangerous driving
  • Dangerous driving
  • Manslaughter or culpable homicide while driving a vehicle
  • Causing death by dangerous driving
  • Furious driving

Drink or drugs (DR)

  • Driving or attempting to drive with alcohol level above limit
  • Driving or attempting to drive while unfit through drink
  • Driving or attempting to drive then failing to supply a specimen for analysis
  • Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity
  • Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive
  • In charge of a vehicle while alcohol level above limit
  • In charge of a vehicle while unfit through drink
  • Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
  • Failing to provide specimen for breath test
  • Driving or attempting to drive when unfit through drugs
  • In charge of a vehicle when unfit through drugs

Insurance offences (IN)

  • Using a vehicle uninsured against third party risks

Licence offences (LC)

  • Driving otherwise than in accordance with a licence
  • Driving after making a false declaration about fitness when applying for a licence
  • Driving a vehicle having failed to notify a disability
  • Driving after a licence has been revoked or refused on medical grounds

Theft or unauthorised taking, including theft or taking offences that do not lead to penalty points, and so do not have a code (UT)

  • Aggravated taking of a vehicle
  • This includes claims where you are found not guilty or charged with one of these offences but convicted of a lesser offence.

We will also not pay for:

  • Challenging a fixed penalty notice.
  • Parking or obstruction offences, insurance offences or challenging a fixed penalty notice.