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#Post#: 78643--------------------------------------------------
No Insurance Fine from DVLA
DIR By: traz
Date: June 28, 2025, 8:49 am
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I’ve received a fine from the DVLA for my vehicle not being
insured. The vehicle is currently listed for sale on AutoTrader,
and I had asked my brother to add it to his motor trade
insurance policy. Unfortunately, it seems he forgot to do so.
Is there any point in appealing or explaining the situation to
the DVLA, or are they unlikely to take this into account? I can
provide a copy of my brother’s trade policy, the policy number,
and a screenshot of the current AutoTrader listing to show my
intent to have the vehicle covered and that it was not in use.
Thanks
[attachment deleted by admin]
#Post#: 78658--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: Enceladus
Date: June 28, 2025, 11:21 am
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This topic might be better placed in the Speeding and other
criminal offences forum. I'll ask the moderator to move it.
#Post#: 78665--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: NewJudge
Date: June 28, 2025, 11:29 am
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--- Quote ---
> Is there any point in appealing or explaining the situation to
the DVLA,
--- End Quote ---
No. All vehicles must be either insured or declared (and kept)
off road.
As an aside, why would your brother's trade policy cover your
car?
#Post#: 78693--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: mickR
Date: June 28, 2025, 1:16 pm
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I can't see any reason why it couldn't be added to a trade
policy depending on what type of policy it is and what clauses
there are.
it maybe the brother would have to be selling on behalf of OP
and require the OP to insure as well if the vehicle isn't
declared "in trade" and the brother selling as his stock.
academic tho as the brother didn't fo anything and the OP is up
the creek without a paddle
#Post#: 80302--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: traz
Date: July 9, 2025, 1:18 pm
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Sorry everyone, I didn’t realise the thread had been moved.
Yes, my brother’s motor trade policy allows him to add vehicles
he’s selling onto the MID, but unfortunately, in this case, he
forgot to do so.
Would it make sense for me to appeal the fine by explaining that
the vehicle was up for sale and that I fully intended to have it
insured under his trade policy, but due to this oversight, it
was not added at the time? Additionally, the vehicle was kept
off-road during this period and was not being driven.
I can also provide details of his motor trade policy as part of
my appeal.
Thank you all for your help
#Post#: 80305--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: NewJudge
Date: July 9, 2025, 1:30 pm
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--- Quote ---
> Would it make sense for me to appeal the fine...
--- End Quote ---
You cannot appeal the fine, as such. It is a fixed penalty offer
which is made to avoid the matter going to court. If you decline
the offer you will be prosecuted and in the almost certain event
you are convicted it will cost you considerably more than the
fixed penalty.
You can contact the DVLA to ask them to reconsider, though I am
fairly sure that will fall on deaf ears.
#Post#: 80370--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: BertB
Date: July 10, 2025, 3:56 am
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The use of motor trade policies to insure vehicles outside of
the business has tightened up over the years. If the vehicle is
not shown as 'in trade' I think you will have a hard time
convincing them it should have been on a motor trade policy.
#Post#: 80388--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: 666
Date: July 10, 2025, 5:30 am
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--- Quote from: BertB link ---
>
> The use of motor trade policies to insure vehicles outside of
the business has tightened up over the years. If the vehicle is
not shown as 'in trade' I think you will have a hard time
convincing them it should have been on a motor trade policy.
>
--- End Quote ---
Particularly hard if they won't listen. The unarguable fact is
that the vehicle was not insured. The details of the policy
which the OP intended to use are utterly irrelevant.
#Post#: 80611--------------------------------------------------
Re: No Insurance Fine from DVLA
DIR By: traz
Date: July 11, 2025, 10:04 am
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Thank you, everyone! I understand that it’s probably best to
just pay the fine and move on. I really appreciate all your
input and advice — it’s been very helpful.
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