Using an uninsured vehicle in Australian Capital Territory: Demerit Points & Fine (2026-27)
Infringement amount, Road Transport (Offences) Regulation as at 1 July 2026
ACT Road Transport (Offences) Regulation (Republication 104, 1 July 2026) · 2026-27 scheduleDriving uninsured, in the Australian context, generally refers to driving without compulsory third party cover, the insurance that pays for injuries caused to other people in a crash. It is separate from optional cover for damage to vehicles or property; compulsory third party protection is about people, and driving without it is an offence in its own right.
How this offence arises depends on the jurisdiction. In some places compulsory third party cover is bundled into vehicle registration, so a vehicle that is unregistered is automatically uninsured and the two offences travel together. In others the cover is arranged separately, so it is possible to let insurance lapse while registration remains current, and the offences are dealt with independently.
The consequences are treated seriously because an uninsured vehicle can leave injured people without a clear source of compensation, and the penalties differ by state and territory as shown in the schedules above.
Frequently asked questions
- What happens if I'm caught — using an uninsured vehicle in ACT?
- The standard penalty is 0 demerit points and a $710 fine.
- How close does this put me to suspension in ACT?
- 12 points within 3 years (full licence; suspension 3–5 months by tally). This offence adds 0 points to your record.
The same offence in other states
Standard first-offence penalty for a full-licence holder unless noted. Information, not legal advice — if your licence is at stake, get legal advice.