A 42-year-old Bradley man was fined £700 by Skipton magistrates after admitting driving without insurance.
David Eaglesfield also received six penalty points and, as he already had six points on his licence, received an automatic six month ban.
Eaglesfield believed he was covered to drive his Land Rover Discovery when he was stopped by police on the A629 at Kildwick on August 12, the court heard on Friday.
He told the court that he had not read his correspondence fully and believed his insurance had been automatically renewed. He added it had been a genuine mistake, but accepted full responsibility.
Eaglesfield, of High Bradley Lane, was also ordered to pay costs of £45 and a £15 victims surcharge.