Driving uninsured vehicle.—Whoever drives a motor vehicle or causes or allows a motor vehicle to be driven in contravention of the provisions of section 146 shall be liable for the first contravention with penalty of three times the base premium for such vehicle specified under sub-section (2) of section 147 or five thousand rupees, whichever is higher, and for a subsequent contravention shall be liable to penalty of five times the base premium for such vehicle as specified under sub-section (2) of section 147 or ten thousand rupees, whichever is higher.