If you ride your vehicle without insuring it appropriately you risk receiving a motoring conviction for driving without insurance. This can result in a £300 fine and 6 points on your licence. The police could also impound your vehicle (as it won’t be registered on the motor insurance database as being insured.) This will of course cause you inconvenience and unnecessary costs. Additionally, should you be involved in a road traffic incident without cover being in place you could be held personally liable for any 3rd party damages.