Road Traffic Act 1988

Changes over time for: Section 148

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Changes to legislation:

Road Traffic Act 1988, Section 148 is up to date with all changes known to be in force on or before 21 December 2024. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.

Changes to Legislation

Revised legislation carried on this site may not be fully up to date. Changes and effects are recorded by our editorial team in lists which can be found in the ‘Changes to Legislation’ area. Where those effects have yet to be applied to the text of the legislation by the editorial team they are also listed alongside the legislation in the affected provisions. Use the ‘more’ link to open the changes and effects relevant to the provision you are viewing.

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Changes and effects yet to be applied to Section 148:

s. 3B-3D inserted by 2024 c. 10 s. 54(1)
s. 13A(1A) inserted by 2024 c. 10 Sch. 3 para. 1(4)(b)
s. 22B inserted by 2024 c. 10 s. 54(2)
s. 25(1) s. 25 renumbered as s. 25(1) by 2024 c. 10 s. 55(a)
s. 25(2) inserted by 2024 c. 10 s. 55(b)
s. 34B 34C and cross-heading inserted by 2024 c. 10 s. 53(1)
s. 41(2)(m) inserted by 2006 c. 49 s. 18(1)(a)
s. 41(2)(ba) inserted by 2006 c. 49 s. 56(3)
s. 49(3A) inserted by 2006 c. 49 s. 48(1)
s. 66(7A) inserted by 2006 c. 49 s. 56(5)
s. 67(1A)(1B) inserted by 2024 c. 10 s. 92(2)(a)
s. 67(3B)(d) and word inserted by 2024 c. 10 s. 92(2)(b)(ii)
s. 67(8A) inserted by 2024 c. 10 s. 92(2)(c)
s. 67(11) inserted by 2024 c. 10 s. 92(2)(d)
s. 68(6)(d) and word inserted by 2024 c. 10 s. 92(3)(b)(ii)
s. 68(7)(8) inserted by 2024 c. 10 s. 92(3)(c)
s. 69(1)(d) and word inserted by 2024 c. 10 s. 92(4)(a)
s. 69(2)(d) and word inserted by 2024 c. 10 s. 92(4)(b)
s. 69(10) inserted by 2024 c. 10 s. 92(4)(c)
s. 76(11) inserted by 2024 c. 10 s. 56
s. 85(2) added by 1988 c. 54 Sch. 2 para. 17(c)
s. 97(1)(c)(ia) words repealed by 2006 c. 49 Sch. 3 para. 6(2)(b) Sch. 7(4)
s. 97(1ZA) inserted by 2006 c. 49 s. 38(2)
s. 123 123A substituted for s. 123 by 2006 c. 49 Sch. 6 para. 2
s. 123A(3) words inserted by 2009 c. 17 s. 1(3)
s. 124(3)-(5) inserted by 2009 c. 17 s. 3
s. 124(6) inserted by 2015 c. 20 Sch. 2 para. 2(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125(3A)-(3D) inserted by 2015 c. 20 Sch. 2 para. 3(2) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125(5A) inserted by 2015 c. 20 Sch. 2 para. 3(3) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125A(5)-(7E) substituted for s. 125A(5)-(7) by 2006 c. 49 Sch. 6 para. 6(3)
s. 125ZA inserted by 2006 c. 49 Sch. 6 para. 5
s. 125ZA(2)(b) word omitted by 2015 c. 20 Sch. 2 para. 4(2)(a) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(2)(d) and word inserted by 2015 c. 20 Sch. 2 para. 4(2)(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(c) word omitted by 2015 c. 20 Sch. 2 para. 4(3)(c) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(c) words substituted by 2015 c. 20 Sch. 2 para. 4(3)(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(ba)(bb) inserted by 2015 c. 20 Sch. 2 para. 4(3)(a) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(ca) inserted by 2015 c. 20 Sch. 2 para. 4(3)(d) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 126(5) omitted by 2015 c. 20 Sch. 2 para. 6 (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 126A inserted by 2016 c. 16 s. 1(3)
s. 126A omitted (cond.) by 2006 c. 49 Sch. 6 para. 8A (as inserted) by 2016 c. 16 s. 3(3)
s. 128A inserted by 2006 c. 49 Sch. 6 para. 11
s. 128A(4) inserted by 2006 c. 49 Sch. 6 para. 11 (as inserted) by 2016 c. 16 s. 4(4)
s. 128B inserted by 2015 c. 20 Sch. 2 para. 9 (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 128ZA inserted by 2009 c. 17 s. 1(1)
s. 128ZB inserted by 2009 c. 17 s. 2
s. 128AZA 128AZB inserted by 2016 c. 16 s. 2(2)
s. 128AZA 128AZB inserted (cond.) by 2006 c. 49 Sch. 6 para. 10A (as inserted) by 2016 c. 16 s. 4(2)
s. 128AZA 128AZB substituted (cond.) by 2006 c. 49 Sch. 6 para. 10A (as inserted) by 2016 c. 16 s. 4(2)
s. 131(A1)-(C1) inserted by 2006 c. 49, Sch. 6 para. 13(1A) (as inserted) by S.I. 2023/1286 Sch. 3 para. 92(2)(a)(i)
s. 131(3)(b)(c) substituted for s. 131(3)(b) and word by 2006 c. 49 Sch. 6 para. 13(4)
s. 131(6) inserted by 2016 c. 16 s. 2(4)
s. 131(6) inserted by 2006 c. 49 Sch. 6 para. 13(9) (as inserted) by 2016 c. 16 s. 4(5)
s. 131(6) substituted by 2006 c. 49 Sch. 6 para. 13(9) (as inserted) by 2016 c. 16 s. 4(5)
s. 132-133ZA and cross-heading substituted for ss. 132, 133 and cross-heading by 2006 c. 49 Sch. 6 para. 14
s. 133(2)(a) words omitted by 2015 c. 20 Sch. 2 para. 10(a) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 133(2)(b) words omitted by 2015 c. 20 Sch. 2 para. 10(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 133D(1A) inserted by 2015 c. 20 Sch. 2 para. 14(2) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 140(1)(2) inserted by 2006 c. 49 Sch. 6 para. 23(2)
s. 140(1A) inserted in earlier affecting provision 2006 c. 49, Sch. 6 para. 23(2) by S.I. 2023/1286 Sch. 3 para. 92(2)(b)
s. 140(3) s. 140 renumbered as s. 140(3) by 2006 c. 49 Sch. 6 para. 23(1)
s. 141A(5) words repealed by 2006 c. 49 Sch. 3 para. 24 Sch. 7(4)
s. 145(3A) word inserted by 2024 c. 10 Sch. 2 para. 4(2)
s. 173(2)(g)-(gb) substituted for s. 173(2)(g) by 2006 c. 49 Sch. 6 para. 27
s. 173(2)(n) and word inserted by 2006 c. 49 s. 37(8)
s. 174(1)(da) inserted by 2006 c. 49 Sch. 6 para. 28
s. 183(6A) inserted by 2006 c. 49 Sch. 6 para. 29
s. 192(1ZA) inserted by 2024 c. 10 Sch. 2 para. 4(5)(b)

Changes and effects yet to be applied to the whole Act associated Parts and Chapters:

Whole provisions yet to be inserted into this Act (including any effects on those provisions):

s. 3B-3D inserted by 2024 c. 10 s. 54(1)
s. 13A(1A) inserted by 2024 c. 10 Sch. 3 para. 1(4)(b)
s. 22B inserted by 2024 c. 10 s. 54(2)
s. 25(1) s. 25 renumbered as s. 25(1) by 2024 c. 10 s. 55(a)
s. 25(2) inserted by 2024 c. 10 s. 55(b)
s. 34B 34C and cross-heading inserted by 2024 c. 10 s. 53(1)
s. 41(2)(m) inserted by 2006 c. 49 s. 18(1)(a)
s. 41(2)(ba) inserted by 2006 c. 49 s. 56(3)
s. 49(3A) inserted by 2006 c. 49 s. 48(1)
s. 66(7A) inserted by 2006 c. 49 s. 56(5)
s. 67(1A)(1B) inserted by 2024 c. 10 s. 92(2)(a)
s. 67(3B)(d) and word inserted by 2024 c. 10 s. 92(2)(b)(ii)
s. 67(8A) inserted by 2024 c. 10 s. 92(2)(c)
s. 67(11) inserted by 2024 c. 10 s. 92(2)(d)
s. 68(6)(d) and word inserted by 2024 c. 10 s. 92(3)(b)(ii)
s. 68(7)(8) inserted by 2024 c. 10 s. 92(3)(c)
s. 69(1)(d) and word inserted by 2024 c. 10 s. 92(4)(a)
s. 69(2)(d) and word inserted by 2024 c. 10 s. 92(4)(b)
s. 69(10) inserted by 2024 c. 10 s. 92(4)(c)
s. 76(11) inserted by 2024 c. 10 s. 56
s. 85(2) added by 1988 c. 54 Sch. 2 para. 17(c)
s. 97(1)(c)(ia) words repealed by 2006 c. 49 Sch. 3 para. 6(2)(b) Sch. 7(4)
s. 97(1ZA) inserted by 2006 c. 49 s. 38(2)
s. 123 123A substituted for s. 123 by 2006 c. 49 Sch. 6 para. 2
s. 123A(3) words inserted by 2009 c. 17 s. 1(3)
s. 124(3)-(5) inserted by 2009 c. 17 s. 3
s. 124(6) inserted by 2015 c. 20 Sch. 2 para. 2(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125(3A)-(3D) inserted by 2015 c. 20 Sch. 2 para. 3(2) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125(5A) inserted by 2015 c. 20 Sch. 2 para. 3(3) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125A(5)-(7E) substituted for s. 125A(5)-(7) by 2006 c. 49 Sch. 6 para. 6(3)
s. 125ZA inserted by 2006 c. 49 Sch. 6 para. 5
s. 125ZA(2)(b) word omitted by 2015 c. 20 Sch. 2 para. 4(2)(a) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(2)(d) and word inserted by 2015 c. 20 Sch. 2 para. 4(2)(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(c) word omitted by 2015 c. 20 Sch. 2 para. 4(3)(c) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(c) words substituted by 2015 c. 20 Sch. 2 para. 4(3)(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(ba)(bb) inserted by 2015 c. 20 Sch. 2 para. 4(3)(a) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 125ZA(4)(ca) inserted by 2015 c. 20 Sch. 2 para. 4(3)(d) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 126(5) omitted by 2015 c. 20 Sch. 2 para. 6 (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 126A inserted by 2016 c. 16 s. 1(3)
s. 126A omitted (cond.) by 2006 c. 49 Sch. 6 para. 8A (as inserted) by 2016 c. 16 s. 3(3)
s. 128A inserted by 2006 c. 49 Sch. 6 para. 11
s. 128A(4) inserted by 2006 c. 49 Sch. 6 para. 11 (as inserted) by 2016 c. 16 s. 4(4)
s. 128B inserted by 2015 c. 20 Sch. 2 para. 9 (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 128ZA inserted by 2009 c. 17 s. 1(1)
s. 128ZB inserted by 2009 c. 17 s. 2
s. 128AZA 128AZB inserted by 2016 c. 16 s. 2(2)
s. 128AZA 128AZB inserted (cond.) by 2006 c. 49 Sch. 6 para. 10A (as inserted) by 2016 c. 16 s. 4(2)
s. 128AZA 128AZB substituted (cond.) by 2006 c. 49 Sch. 6 para. 10A (as inserted) by 2016 c. 16 s. 4(2)
s. 131(A1)-(C1) inserted by 2006 c. 49, Sch. 6 para. 13(1A) (as inserted) by S.I. 2023/1286 Sch. 3 para. 92(2)(a)(i)
s. 131(3)(b)(c) substituted for s. 131(3)(b) and word by 2006 c. 49 Sch. 6 para. 13(4)
s. 131(6) inserted by 2016 c. 16 s. 2(4)
s. 131(6) inserted by 2006 c. 49 Sch. 6 para. 13(9) (as inserted) by 2016 c. 16 s. 4(5)
s. 131(6) substituted by 2006 c. 49 Sch. 6 para. 13(9) (as inserted) by 2016 c. 16 s. 4(5)
s. 132-133ZA and cross-heading substituted for ss. 132, 133 and cross-heading by 2006 c. 49 Sch. 6 para. 14
s. 133(2)(a) words omitted by 2015 c. 20 Sch. 2 para. 10(a) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 133(2)(b) words omitted by 2015 c. 20 Sch. 2 para. 10(b) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 133D(1A) inserted by 2015 c. 20 Sch. 2 para. 14(2) (This amendment is to Part 5 of the Road Traffic Act 1988 as amended by Schedule 6 to the Road Safety Act 2006. Those amendments have not yet come into force)
s. 140(1)(2) inserted by 2006 c. 49 Sch. 6 para. 23(2)
s. 140(1A) inserted in earlier affecting provision 2006 c. 49, Sch. 6 para. 23(2) by S.I. 2023/1286 Sch. 3 para. 92(2)(b)
s. 140(3) s. 140 renumbered as s. 140(3) by 2006 c. 49 Sch. 6 para. 23(1)
s. 141A(5) words repealed by 2006 c. 49 Sch. 3 para. 24 Sch. 7(4)
s. 145(3A) word inserted by 2024 c. 10 Sch. 2 para. 4(2)
s. 173(2)(g)-(gb) substituted for s. 173(2)(g) by 2006 c. 49 Sch. 6 para. 27
s. 173(2)(n) and word inserted by 2006 c. 49 s. 37(8)
s. 174(1)(da) inserted by 2006 c. 49 Sch. 6 para. 28
s. 183(6A) inserted by 2006 c. 49 Sch. 6 para. 29
s. 192(1ZA) inserted by 2024 c. 10 Sch. 2 para. 4(5)(b)

148 Avoidance of certain exceptions to policies F1... .E+W+S

(1)[F2Where a policy [F3is issued] for the purposes of this Part of this Act,] so much of the policy F4... as purports to restrict—

(a)the insurance of the persons insured by the policy, F5 ...

F5(b). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

F6... by reference to any of the matters mentioned in subsection (2) below shall, as respects such liabilities as are required to be covered by a policy under section 145 of this Act, be of no effect.

(2)Those matters are—

(a)the age or physical or mental condition of persons driving the vehicle,

(b)the condition of the vehicle,

(c)the number of persons that the vehicle carries,

(d)the weight or physical characteristics of the goods that the vehicle carries,

(e)the time at which or the areas within which the vehicle is used,

(f)the horsepower or cylinder capacity or value of the vehicle,

(g)the carrying on the vehicle of any particular apparatus, or

(h)the carrying on the vehicle of any particular means of identification other than any means of identification required to be carried by or under [F7the Vehicle Excise and Registration Act 1994].

(3)Nothing in subsection (1) above requires an insurer F8... to pay any sum in respect of the liability of any person otherwise than in or towards the discharge of that liability.

(4)Any sum paid by an insurer F9... in or towards the discharge of any liability of any person which is covered by the policy F10... by virtue only of subsection (1) above is recoverable by the insurer F11... from that person.

(5)A condition in a policy [F12issued] for the purposes of this Part of this Act providing—

(a)that no liability shall arise under the policy F13... , or

(b)that any liability so arising shall cease,

in the event of some specified thing being done or omitted to be done after the happening of the event giving rise to a claim under the policy F14... , shall be of no effect in connection with such liabilities as are required to be covered by a policy under section 145 of this Act.

(6)Nothing in subsection (5) above shall be taken to render void any provision in a policy F15... requiring the person insured F16... to pay to the insurer F17... any sums which the latter may have become liable to pay under the policy F15... and which have been applied to the satisfaction of the claims of third parties.

(7)Notwithstanding anything in any enactment, a person issuing a policy of insurance under section 145 of this Act shall be liable to indemnify the persons or classes of persons specified in the policy in respect of any liability which the policy purports to cover in the case of those persons or classes of persons.

Textual Amendments

F1Words in s. 148 heading omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(2) (with reg. 5)

F2Words in s. 148(1) substituted (30.6.2015) by Deregulation Act 2015 (c. 20), s. 115(7), Sch. 3 para. 3; S.I. 2015/994, art. 9(a) (with Sch. Pt. 3A) (as amended by S.I. 2015/1405, art. 2)

F3Words in s. 148(1) substituted (1.11.2019) by The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(3)(a)(i) (with reg. 5)

F4Words in s. 148(1) omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(3)(a)(ii) (with reg. 5)

F5S. 148(1)(b) and word omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(3)(b) (with reg. 5)

F6Words in s. 148(1) omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(3)(c) (with reg. 5)

F7Words in 148(2)(h) substituted (1.9.1994) by 1994 C. 22, ss. 63, 66, Sch. 3 para. 24(1) (with s. 57(4))

F8Words in s. 148(3) omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(4) (with reg. 5)

F9Words in s. 148(4) omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(5)(a) (with reg. 5)

F10Words in s. 148(4) omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(5)(b) (with reg. 5)

F11Words in s. 148(4) omitted (1.11.2019) by virtue of The Motor Vehicles (Compulsory Insurance) (Miscellaneous Amendments) Regulations 2019 (S.I. 2019/1047), reg. 1, Sch. 1 para. 11(5)(c) (with reg. 5)