Motorists could be slapped with the harshest Fixed Penalty Notice (FPN) for violating a crucial driving law.

An FPN is typically handed out by police as an alternative to prosecution when a driver is found breaking the law. These can cover a broad range of traffic offences, with more severe penalties for serious infractions.

There are two kinds of FPNs that can be given to drivers; endorsable and non-endorsable. The only distinction between these is that an endorsable FPN also carries at least three points on the driver's licence in addition to the financial penalty.

As per RAC, an FPN usually comes with a fine of £50, £100, £200, or £300. The £300 fine is typically reserved for the most serious offences, such as driving without insurance.

Official guidelines state that it's illegal for a driver to operate a vehicle on a road or in a public place without at least third party insurance. It's crucial to note that even if a vehicle is insured, a driver could be improperly insured, which could result in an FPN.

If a driver is caught driving without insurance, they will be hit with an FPN of £300 and six penalty points. However, remember that it's up to the officer's discretion whether to issue an FPN or not, and the case could instead end up in court.