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#Post#: 50293--------------------------------------------------
Valid insurance not accepted
DIR By: annamcb80
Date: December 17, 2024, 6:36 pm
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Unusual topic. We are charitable group in EY helping Ukraine
-one of the activities is purchasing pickup trucks for military
and driving them to Ukraine. As our drivers often foreign
without UK licence and vehicle exported from the UK soon after
purchase EU cover insurance is a must have (as asked on the
border). We use valid EU broker to get insured with
representation in the UK as partner company -never had a problem
till last week. Our this time foreign driver but with UK licence
was taking a vehicle to the ferry crossing and was stopped by
police implying insurance certificate is not valid cos not
issued in GB and not on driver name. Any explanations has not
satisfied the officer so they issued 300£ fine and 6 points on
driving licence -admitted though he doesn't understand the
insurance certificate presented (cos not in English) and need
clarification how it works. They also stayed till we get temp
cover sorted (which is not valid in EU by the way). There is no
any information for appeal or contact details or reference
provided except name of Police dep. What are steps to prove the
vehicle was insured please and do we need to appeal going
through court? We obtained English version of certificate from
the broker now. Thank you.
#Post#: 50305--------------------------------------------------
Re: Valid insurance not accepted
DIR By: mickR
Date: December 18, 2024, 2:54 am
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have you contacted the issuing police force and shown them a
copy of the ins in English?
#Post#: 50309--------------------------------------------------
Re: Valid insurance not accepted
DIR By: NewJudge
Date: December 18, 2024, 3:04 am
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There is no appeal available as nobody has been convicted of
anything.
The police cannot impose fines or points. What they can do is
to make an offer to deal with the matter without court action if
the driver accepts it. That's what they've done.
The driver is free to decline that offer in which case he will
be prosecuted in court.
As MickR says, you need to obtain a copy of the certificate in
English which will hopefully clarify that cover was in place. If
it doesn't you will need to get that clarification from the
insurers to present to the police.
If you can do that in time they may cancel the FP offer. If not
the driver may have to defend the matter in court.
Are you certain that cover does extend to the UK?
#Post#: 50319--------------------------------------------------
Re: Valid insurance not accepted
DIR By: andy_foster
Date: December 18, 2024, 3:46 am
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--- Quote from: NewJudge link ---
>
> If you can do that in time they may cancel the FP offer. If
not the driver may have to defend the matter in court.
--- End Quote ---
At the risk of appearing pedantic, they cannot [lawfully] cancel
the offer, but they can and should drop the case if the driver
can show that he was insured.
--- Quote ---
> Are you certain that cover does extend to the UK?
>
--- End Quote ---
The OP appears to be, and has described the broker having a UK
partner company - presumably to enable UK cover. Obviously the
issue is that the police did not accept that the driver was
covered in the UK.
#Post#: 50347--------------------------------------------------
Re: Valid insurance not accepted
DIR By: baroudeur
Date: December 18, 2024, 5:00 am
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Is it not the case that a UK registered vehicle is insured by a
company authorised to do so in the UK i.e. a UK insurer and,
therefore, the certificate/policy is in English?
Are these UK registered vehicles? Brokers are not insurers so
who is the Insurance company?
#Post#: 50368--------------------------------------------------
Re: Valid insurance not accepted
DIR By: mickR
Date: December 18, 2024, 8:14 am
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--- Quote from: annamcb80 link ---
> We obtained English version of certificate from the broker
now. Thank you.
--- End Quote ---
in reality that shoukd be all you need to take to the police and
say, as we told the officer at the time the vehicle was insured.
#Post#: 50437--------------------------------------------------
Re: Valid insurance not accepted
DIR By: BertB
Date: December 19, 2024, 3:48 am
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Assuming it was insured to be driven by any driver with the
permission of the policy holder in the UK of course. OP says
they have an English version of the policy now, but hasn't
confirmed this is the case.
If the certificate isn't accepted as valid cover for driving in
the UK by a UK licence holder, it would be best to get the
driver to post here directly. They are in receipt of the COFP
and the invitation to accept 6 points, a financial penalty and
crap insurance quotes for the next 5 years, not the charity, and
as such they will be the one having to deal with it. If it goes
on that the policy didn't cover travel in the UK, there may be
an argument for SRNTE for the driver if they can prove they were
sufficiently misled to believe they were insured to drive the
vehicle but this will need to be argued in court.
#Post#: 50439--------------------------------------------------
Re: Valid insurance not accepted
DIR By: mickR
Date: December 19, 2024, 4:35 am
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[member=670]BertB[/member]
the OP stated they now have a copy the cert in English why do
they need to confirm it?
Also as stated, the driver in not a UK national and is driving
to Ukraine so highly unlikely they will post.
As the Charity has organised everything through a broker and
would know the circumstances of insurance needs, and have issued
the cert in English I see no reason for any other action other
than presenting that Cert to plod.
#Post#: 50443--------------------------------------------------
Re: Valid insurance not accepted
DIR By: BertB
Date: December 19, 2024, 4:55 am
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They now have a copy of the insurance cert in English. Where
does it say that the insurance is in place for driving in this
country? The driver is a UK licence holder, their nationality is
irrelevant. It would however suggest they are UK resident and
presumably have access to the internet somehow.
You can translate anything into English, it doesn't make it
legal in the UK. The OP simply rocking up with a certificate
that states EU countries only, or mainland Europe only, will not
help the driver. That is why the OP needs to confirm the driver
was covered for driving that vehicle in this country to get
meaningful advice.
#Post#: 50451--------------------------------------------------
Re: Valid insurance not accepted
DIR By: ManxTom
Date: December 19, 2024, 6:21 am
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I'm inclined to agree with [member=670]BertB[/member] with
regard to the insurance certificate.
All the OP talks about is that insurance in the EU is "a must"
and that insurance has been issued by a EU broker.
Nowhere does the OP state that the insurance covers driving in
the UK. (Perhaps it does and the OP has assumed that readers
here will implicitly understand that it does, but the OP hasn't
actually said that it does...)
What is important is not what language the certificate is in,
but what it covers, and the OP has said nothing about that
except that it covers the EU. (Perhaps that includes the UK or
perhaps the OP simply thinks it includes the UK. I have no idea
myself as to whether the UK is still considered part of the EU
for insurance purposes.)
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