The charge is driving without insurance. You have been stopped, and the police have confirmed that no valid policy was in place. As it is a "strict liability" offence, you are technically guilty, and your honest belief that you were insured is not a defence. In this situation, it https://bookmarksknot.com/story23126711/the-anatomy-of-an-excuse-a-case-study-guide-to-special-reasons-for-driving-without-insurance