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DIR Return to: Speeding and other criminal offences
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#Post#: 14606--------------------------------------------------
No insurance
DIR By: Ballyboro
Date: January 30, 2024, 5:48 am
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I have insurance on a car which broke and I bought another from
a garage who had it on a trade policy. I paid for the car and
said I would collect documents as recently became homeless and
living in car. Assumed it was still insured and I would change
when my policy came due 3/2. Got stopped by police Friday who
gave me 7 days to produce. Went to garage and they have posted
vehicle docs to old address and car no longer on trade policy. I
know it’s my fault but have had lots of stress. Is it worth
paying a solicitor to help with special measures.
#Post#: 14609--------------------------------------------------
Re: No insurance
DIR By: NewJudge
Date: January 30, 2024, 6:36 am
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A trader's policy usually only covers vehicles which are being
used in connection with his business. Once the car was sold to
you insuring it became your responsibility, so I'm afraid it
looks as though you are banged to rights.
A solicitor is unlikely to be able to help. No insurance is a
"strict liability" offence. That means you either have insurance
or you don't and it is your responsibility to make sure you
have. From your description you simply made an assumption that
you remained covered. By "Special Measures" I imagine you mean
"Special Reasons" (not to endorse your licence). Once again
there is no chance of a court finding that, whoever you employ
to defend you. You may be offered a fixed penalty for the
offence (£300 and six points) but whether it's dealt with that
way or in court (where the financial penalty will be much
higher) six points is the inevitable outcome.
#Post#: 14614--------------------------------------------------
Re: No insurance
DIR By: The Rookie
Date: January 30, 2024, 7:00 am
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To ad, Insurers don't like drivers with convictions from driving
while uninsured (for what should be obvious reasons) and you can
expect your premium to roughly double in the first year reducing
to a circa 20% increase in the fifth year after conviction. The
financial penalty from the fixed penalty or fine will likely
pale into insignificance by comparison.
#Post#: 14646--------------------------------------------------
Re: No insurance
DIR By: guest46
Date: January 31, 2024, 2:26 am
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As above, I suspect a solicitor's fee is beyond your means
(could easily be north of £1200) for a case that is most likely
to be lost - therefore court fees, victim surcharge etc on top
of the fine. So, you're staring at over £2k potentially.
Take the 6 points and (hopefully) fixed penalty is the practical
solution as your defence only has a tiny, tiny (aka zero) chance
of success.
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