Driving without insurance

Scooby_Doo.

Fergie76 wrote: »

I hear what your saying Taffy and your situation would have been extremely unfortunate, but is no insurance not one of those absolute offences, you either have it or you don't? So therefore guilty or not guilty.

In your case your mitigation would just lead to admonishment or lesser punishment.

For the owner of the vehicle yes, the only defence in law would be if your employer had not renewed/had a company policy cancelled and you were driving as an employee in the belief the vehicle was insured.

taffy056

Well it's beside the point now as it was three years ago but in regards to the friend of the OP think she will get banned unless the judge is lenient

Scooby_Doo.

taffy056 wrote: »

Well it's beside the point now as it was three years ago but in regards to the friend of the OP think she will get banned unless the [STRIKE]judge[/STRIKE] magistrate is lenient

Corrected that for you, somehow I don't think it will go to crown court.;)

taffy056

Scooby_Doo. wrote: »

Corrected that for you, somehow I don't think it will go to crown court.;)

Obviously thanks

Tilt

The law states that it is the driver's responsibility to ensure that adequate insurance cover is in place for the vehicle being driven, end of story. Having said that, the police should not of allowed her to continue to drive without confirming the insurance status. I believe that is the current proceedure. What would of happened had she had an accident resulting in serious injury (or worse) AFTER the police had let her carry on?

HO87

Tilt wrote: »

The law states that it is the driver's responsibility to ensure that adequate insurance cover is in place for the vehicle being driven, end of story. Having said that, the police should not of allowed her to continue to drive without confirming the insurance status. I believe that is the current proceedure. What would of happened had she had an accident resulting in serious injury (or worse) AFTER the police had let her carry on?

As suggested in my earlier post there could have been a number of potential reasons for the police seemingly allowing her to continue including the fact that she may well have been very close to home; the driver produced an apparently valid certificate and the officer was unable to make enquiries of MIDAS because of the time of day or a failure in comms.

In such circumstances, had she carried on then she would have remained uninsured. Whether the police may have had some culpability would turn on the unknown facts of the individual case.

birkee

taffy056 wrote: »

It's not the fact I got away with it, just pointing out that sometimes it's not entirely your fault you are not insured, in my case I paid for my insurance in full for the year, I gave them full details of my existing insurance including policy number and sent them a copy of my no claims as soon as I got it, they then claimed that they never received it, funny that as it was sent recorded, also they didn't write to me but sent an email and the payment back to my card was not received until complained, so if I was stopped who's fault is it ?

Unfortunately, it seems it's common practice to insure a car on monthly payments, tax the car, then stop paying the installments.
How are people suppose to know whether your error was innocent or not?

The insurance company CERTAINLY fell down not sending you a cancellation by post, but by email. Funny you never received it.

Freddie_Snowbits

taffy056 wrote: »

You again trolling on here and offering nothing to a thread

So we should all drive on the road without insurance?

Freddie_Snowbits

KillerWatt wrote: »

As most of the insurance companies don't give a monkeys about SP30's, exceeding a posted limit is nothing.....every single last driver out there has done it.

Well my licence is clean as the day I got it!

taffy056

birkee wrote: »

Unfortunately, it seems it's common practice to insure a car on monthly payments, tax the car, then stop paying the installments.
How are people suppose to know whether your error was innocent or not?

The insurance company CERTAINLY fell down not sending you a cancellation by post, but by email. Funny you never received it.

Told you I changed ISP around that time, so the email address I was using no longer worked, but they should have known that as it would have bounced back to them.

In addition I paid them for the entire year in advance , so there was no monthly payments.