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       #Post#: 106090--------------------------------------------------
       Re: Caught without third party insurance
       By: Lakha Date: January 15, 2026, 12:25 pm
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       [quote author=Southpaw82 link=topic=9431.msg106088#msg106088
       date=1768501181]
       [quote author=sparxy link=topic=9431.msg106072#msg106072
       date=1768498072]
       [quote author=Southpaw82 link=topic=9431.msg106036#msg106036
       date=1768491118]
       There is case law that says if no cover is in place at any given
       time, the defendant is still guilty of the offence even if the
       insurer “backdates” any cover.
       [/quote]
       Interesting, but if the business policy was to cover any
       vehicle, and OP would have been covered at the time regardless,
       surely OP would then be not guilty?
       [/quote]
       It's a matter of contractual construction. If the insurance
       contract did not cover the use at the time, the fact that the
       insurer extra-contractually says that they would have covered
       the risk does not invalidate the offence. Until the OP knows
       what the contract covered at the time, as distinct to what the
       insurer might have paid out on as a matter of discretion, the
       question is up in the air.
       [/quote]
       You're too clever for me lol I had to read it a few times to get
       my head around it.
       #Post#: 106109--------------------------------------------------
       Re: Caught without third party insurance
       By: Daim456 Date: January 15, 2026, 5:12 pm
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       To reply to your earlier message about unlimited fine for no
       insurance.
       Yes the fine is unlimited however the starting point of fine is
       1.5 time of your net weekly income.
       The fine would be detucted 33% for Guilty plea.
       Plus there is victim surcharge which is 40% of fine Plus cost
       £90 for Guilty plea.
       For Not Guilty plea the cost would be at least £650.
       #Post#: 106134--------------------------------------------------
       Re: Caught without third party insurance
       By: BertB Date: January 16, 2026, 4:21 am
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       * If found guilty
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