Stopped by police for having no insurance..

Alias_Omega

Alot of thread drift from the OP's original question.


The OP has clearly stated that they do not have personal insurance for the car. The next step is to contact the NHS lease company and have them send you a cover note to cover the car, which you will need to produce to the police station stated when you were stopped.

There is nothing more to say on this, and anything further about a potenital outcome for not having any insurances will just upset the OP.

Wig

Gene_Hunt wrote: »

For first offences, the Court would normally impose between 6 and 8 penalty points, but no ban, plus a fine of up to BUT NOWHERE NEAR £5000.

More likely around the £200 mark

In other words "6 points plus £200" (the post you appeared to take umbrance with) is actually very likely.

Gene_Hunt_2

Wig wrote: »

More likely around the £200 mark

In other words "6 points plus £200" (the post you appeared to take umbrance with) is actually very likely.

When did you rewrite the penalty? The fine is in not up to £5000?

Wig

Gene_Hunt wrote: »

You could have accepted his word and let him go. Don't hide behind the old it's all recorded I had to do it that way.;)

He gave him a producer, I think that was a very professional way to deal with it, I wish, if I was in the same situation that I got given a producer.

If it turned out that I was wrong and I wasn't insured, that's my fault, but at least I would have been dealt with fairly by the police.

Wig

Gene_Hunt wrote: »

When did you rewrite the penalty? The fine is in not up to £5000?

When did you stop reading what you are writing?

You wrote the following sentence (scaremongering IMHO)

"For first offences, the Court would normally impose between 6 and 8 penalty points, but no ban, plus a fine of up to £5000."

I changed it to this

For first offences, the Court would normally impose between 6 and 8 penalty points, but no ban, plus a fine of up to -but nowhere near- £5000.

Wig

mikeh2000 wrote: »

2 reasons, I'd already checked his insurance via the radio, which came back as he didn't have any, hence it was recorded, and also it was a sunday night when he couldn't simply get insurance at the roadside.

He was insistent that he had insurance at the roadside, but as he was miles away from home, and it was a sunday night, he couldnt produce any documents to prove he did, so all I did was ask him to produce his documents at a station, rather than seize his vehicle, which I could potentially have done.

I disagree, (with the bolded part-well you could have potentially seized it, yes, but you would have been wrong to do so, is my point), you said yourself that the police won't seize where the driver insists they do have insurance and you can't contact the insurer by phone. I was glad to hear you say that as that is the correct procedure, and some chief constables have said as much in public. However my confidence in the minions of the police rank and file, to know this and to act in this way is not great.

But then you wrote that bit in bold and my heart sank. IMHO and according to the law you would have no right to seize the vehicle on a late Sunday night where the driver insists he is covered, and gives you no reason to think he is lying - like trying to fail to stop or flee the scene etc- Just because the computer holds no record of insurance does not give you enough evidence to reasonably believe that he is not covered. The only people who can give that information is the insurance company.

sophiasmummy

This does seem to have drifted somewhat..can I just make clear we have only had a courtesy car for the last 8 weeks, not 9 months. I will update once I have spoken with the lease co tomorrow. Thanks everyone

System

alastairq wrote: »

I carry my certificate in the car.....which is what is legally required anyway....

Can you please give a reference for your assertion that it is a legal requirement to carry your insurance certificate in the vehicle?

If that was the case then there would obviously be an absolute offence of not carrying it and the police would not issue producers.

bigjl

!!!!!! wrote: »

Can you please give a reference for your assertion that it is a legal requirement to carry your insurance certificate in the vehicle?

If that was the case then there would obviously be an absolute offence of not carrying it and the police would not issue producers.

There is no legal requirement to carry your insurance certificate that I am aware of, however when I have had trade insurance it was a dvisable as the car may not be on the MID database and the police would need to see it if you car was flagged by ANPR.

No Police or Ambulance service vehicle in London carries an insurance certificate for example.

It is however a legal requirement to produce them when requested to do so by a Police Officer, since the introduction od ANPR and MID it isn't really relevant anymore as the Police know your Insurance status before they pull you over.

I would check any paperwork given to you when you picked up the courtesy car, as if you signed any documents then it would be stated on there if you needed to provide Insurance.


The only thing the Police suspect your partner of doing is driving a car not on the MID, nothing more.

The only people you need to contact are the providers of the courtesy car.

If they are part of the NHS then be prepared for them to have made a clerical error. Our fleet dept have forgotten to send Ambulances for MOT's before, for 3 months..........nobody knew why the tax disc was valid for several months after the MOT ran out as they should coincide, but to be honest nothing surpirises me about the NHS and the amount of mistakes the back room staff make, that is then covered up by the managers, when a clinical staff member makes even the slightest non clinical error then it is a full on witchhunt.

Freddie_Snowbits

sophiasmummy wrote: »

Hi everyone
I was in the car with my partner and 6 month old daughter today when we were pulled over by the police.
My partner was asked to get into the police car to speak to the officer where it was explained to him that the car we were in had flagged up as having no valid insurance.
The situation is we ordered a vehicle through the NHS staff leasing scheme in May 2010 and were promised delivery within 12 weeks..we are still waiting.
Meanwhile we have had 2 courtesy vehicles (the first a Peugeot 106-not good with a baby), the second a VW Golf-the car we were in today.
Never have we been told we need insurance (the lease vehicle we will eventually get is fully taxed, insured etc).
My partner needs to produce his DL and a copy of the ins docs within 7 days and we are worried whether we are going to get into trouble. Does anyone have any advice?
Thanks for reading
S x

I smashed my motor up some 15 days ago and now have a hire car I was given the option to use my own insurance or the leases insurance.
You should have been made aware of this when you 'hired' the car. If you have no insurance, them I am afraid, ignorance is no defence, as to me, I would have every uninsured drived driven of the road and their assets crushed.

alastairq wrote: »

I carry my certificate in the car.....which is what is legally required anyway.....but even the production of a 'valid certificate' is not taken as an absolute guarantee, if stopped....

The numbers of 'uninsured' vehicles on the roads is one major reason why the rest of us pay much higher premiums.

Absolute Codswallop or all of us drivers would be locked up.