Driving without insurance: what risks in the event of road checks?

This file is accessible by the police during roadside checks with interception, and by the judicial police officers of the Center Automatique de Recognition des Infringements Roads (CACIR) of the Center National de Treatement de Rennes.

Managed by the Association for the Management of Insurance Risk Information (Agira), it contains information on contracts taken out by insured persons:

• vehicle registration;
• name of the insurer;
• number of the contract with its period of validity.

How does it work?

In case of interception by law enforcement, the file allows to immediately verify the insurance of the vehicle.

If a vehicle is flashed for a speeding or fire violation offense, and a notice of contravention is sent to its owner, the FVA will be systematically consulted after a delay of at least 3 days following the date and time of the violation, a delay imposed by law.

As a first step, and for the purpose of prevention, the owner of an uninsured flashed vehicle will receive a letter sent jointly by the Guarantee Fund for Compulsory Insurance of Damage (FGAO) and the DSR. This letter will invite him to regularize his situation as soon as possible and will indicate to him the prosecution to which he is exposed.

At the end of this prevention operation, owners of uninsured vehicles will receive, following the notice of contravention for speeding or running over fire, a notice of a fine in tort.