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#Post#: 69879--------------------------------------------------
Use of motor vehicle without insurance
DIR By: Jack_Pirate
Date: May 3, 2025, 11:45 am
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I would be really grateful if I could get some advice.
I was pulled over by a police car just after leaving the
Heathrow car park. I was told they were unable to run my number
plate through the database. Initially, they thought it might be
due to a spacing issue after the 4th character. Then I was
questioned about when I transferred the private plate to this
vehicle and where I had purchased the plates.
When I checked the DVLA confirmation email, I realised I had
made a mistake when ordering the physical plates—one letter was
wrong: I used a "W" instead of an "M."
Due to the issue with the registration plate, the officers
weren’t sure how to proceed, and as a result, they seized my car
and recorded it as being driven without insurance. However, I
have full insurance cover under the correct registration, which
matches the V5C and the VIN.
In addition, I received two identical penalties regarding the
non-conformity of the number plate, each with a different
reference number.
I fully understand that the error with the physical plates was
my fault, but I don’t understand why I’m being charged with
driving without insurance when the vehicle is, and always has
been, correctly insured.
I’m keen to defend my case and resolve this properly.
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#Post#: 69882--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: JustLoveCars
Date: May 3, 2025, 12:15 pm
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What did your insurer say when you asked them to provide proof
of 3rd party for insurance when displaying the incorrect vrm?
#Post#: 69896--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: Jack_Pirate
Date: May 3, 2025, 3:38 pm
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I have not spoken to my insurance nor did the police officer.
I have full cover in place for the vehicle.
#Post#: 69916--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: The Slithy Tove
Date: May 4, 2025, 2:18 am
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--- Quote from: Jack_Pirate link ---
>
> I have not spoken to my insurance
--- End Quote ---
Then do so and get them to provide proof of insurance of that
vehicle at the time of the incident. That's the only way you'll
escape the no insurance charge. They may still pursue lesser
offences regarding the VRM.
#Post#: 69925--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: Jack_Pirate
Date: May 4, 2025, 4:35 am
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But why is there a need to speak to the insurance? I have motor
insurance certificate at hand and I did show it to the office
and also I have used the same certificate to collect my vehicle
from police compound yard.
#Post#: 69931--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: Dave Green
Date: May 4, 2025, 5:45 am
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--- Quote from: Jack_Pirate link ---
>
> But why is there a need to speak to the insurance? I have
motor insurance certificate at hand and I did show it to the
office and also I have used the same certificate to collect my
vehicle from police compound yard.
--- End Quote ---
An insurance certificate doesn't prove that the vehicle
concerned had valid cover at the time you were stopped. All it
proves is that a policy was in place at the time the certificate
was issued and that policy could have been cancelled or
suspended at a later time.
There is also the possibility of the certificate being a
forgery.
Speaking to your insurers and getting them to confirm in writing
that your vehicle was insured when stopped will be the quickest
and easiest way to resolve the matter.
Why are you so reluctant to do this?
#Post#: 69940--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: Jack_Pirate
Date: May 4, 2025, 6:48 am
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Thanks for the input. I am not reluctant at all and will do what
ever is required to get me out of this situation. Prior to your
explanation it did not make any scene to speak to the insurance.
As the certificate of policy is in place. It was sufficient to
get my car back.
I will speak to the insurer to confirm that I was insured for
the vehicle I got stopped.
I fail to understand why I got done for uninsured driving if the
issue was with the VRM being incorrect.
#Post#: 69945--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: andy_foster
Date: May 4, 2025, 7:23 am
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For day to day purposes, the vehicle is identified by its VRM -
so on the face of it there was no insurance in force for the
vehicle you appeared to be driving. Insurance is not recorded
against a VIN number, it is recorded against a VRM. That does
not mean that it is the VRM rather than the vehicle is insured,
but f**kwittery (on your part) aside, the two are assumed to
coincide.
As regards the police apparently pursuing a no-insurance offence
(you have not yet been charged with such an offence, merely
offered a fixed penalty in order to discharge liability for such
an offence) - the police are not generally legally qualified,
and some aren't even members of MENSA, but the bottom line is
that no insurance is a reverse burden offence - if charged, it
is up to you to prove that you were insured, and if you let it
get that far, that will be the second count of f**kwittery on
your part.
#Post#: 69947--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: baroudeur
Date: May 4, 2025, 7:44 am
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--- Quote from: Jack_Pirate link ---
>
> But why is there a need to speak to the insurance? I have
motor insurance certificate at hand and I did show it to the
office and also I have used the same certificate to collect my
vehicle from police compound yard.
>
--- End Quote ---
Were the plates changed to the correct format for the
collection?
#Post#: 70111--------------------------------------------------
Re: Use of motor vehicle without insurance
DIR By: Jack_Pirate
Date: May 5, 2025, 4:10 pm
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--- Quote from: baroudeur link ---
>
> [quote author=Jack_Pirate link=topic=6184.msg69925#msg69925
date=1746351306]
> But why is there a need to speak to the insurance? I have
motor insurance certificate at hand and I did show it to the
office and also I have used the same certificate to collect my
vehicle from police compound yard.
>
--- End Quote ---
Were the plates changed to the correct format for the
collection?
[/quote]
Yes, I had correct plates made up before collecting the vehicle.
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