If the case goes to court, you could be hit with an unlimited fine and a driving ban.
Driving Without Insurance in Scotland: the Law
Road Traffic Act 1988 Section 143: Users of motor vehicles to be insured or secured against third-party risks
A person must not use a motor vehicle on a road or other public place unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and
A person must not cause or permit any other person to use a motor vehicle on a road or other public place unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act
If you are caught driving without insurance otherwise known as S143 Road Traffic Act 1988 you will receive a minimum of 6 points and a fine. The Court has the power to disqualify at its discretion this tends only to be used if you have previous convictions for a similar offence It’s important to note that if you allow someone to drive your car without checking that they are insured either through your own or their own insurance, you can be charged with causing and permitting them to drive with no insurance and subject to the same penalty.
If you are driving in the course of your employment then that is a defence if your employer told you you were insured.
How We Can Help
If you are driving under the genuine belief that you are insured then ask for a special reason proof for non endorsation. If successful then you will not receive any points and may be spared a fine. The onus of proof is on the accused.