Find out some of the main insurance related offences relevant to your vehicle

Legal instrument Offence description Penalty

Road Traffic Act 1961

Section 56 (3)

Insurance cover

Contravention of s.56(1) – Use in a public place by person other than the owner of a mechanically propelled vehicle unless an insurer, guarantor etc would be liable for drivers negligence, or there is an approved insurance policy or guarantee in force

On summary conviction, a fine not exceeding €5,000 or imprisonment not exceeding six months or both.

See also potential fine in lieu of damages under s.57

SI No. 355 of 1984

Road Traffic (Insurance Disc) Regulations, 1984
Regulation 5(3)

Insurance disc

Contravention of Regulation 5 (1) - user or owner of vehicle in public place without carrying an insurance disc, ten days after the authentication of the certificate of insurance

On summary conviction, first offence – a fine not exceeding €1,000. Second offence under same section/subsection – a fine not exceeding €2,000. Third or subsequent offence under same section/subsection within 12 consecutive months – fine not exceeding €2,000 or imprisonment not exceeding 3 months, or both (ss.11(5) and 102, Road Traffic Act, 1961).


The table above should not be treated as a legal interpretation of any law requirements. It is a matter for each operator, owner and driver to ensure that he or she complies with the applicable law.