A 36-year-old Clitheroe man stopped driving in Littlemoor Road later produced a forged insurance cover note at the police station.
Blackburn magistrates heard that Paul Bialecki had changed a '7' into a '2' to suggest he was covered when he was driving on October 4.
Bialecki, of Whittle Close, pleaded guilty to driving without insurance and forging an insurance document. He was fined £500 with £60 costs and his licence endorsed with six points.
Clare Knight, defending, there had been a legitimate insurance policy in place but because mail had not been forwarded from a previous address it had lapsed.
"After he had been stopped by the officer he panicked because he needs his licence for his job as a self employed plasterer," said Mrs Knight.
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