[Sentence — Driving a motor vehicle without being insured — insurance policy has expired for 5 days prior to the offence — financial difficulties — special reasons — section 3(1) and 3(2) of the Motor Vehicles Insurance (Third Party Risks) Act, Cap 90 — section 40 of the RTA, Cap 68 — disqualified from driving a Class 3 vehicle for 12 months.]

Decision date: 8 Oct 2025