Caught without insurance (didn't know it had expired) any recourse?

darkwarrior

Hello Money Saving gang. My sister's boyfriend was pulled over last night with my sister and their two infant sons in the car. They were told they had no insurance and the cop (Who I would like to use an exotic term to describe) tried to leave them and the two kids at the side of the damn motorway in order to tow their car away.

The car is in my mothers name, she had a cover note for 30 dyas on it while waiting for my sisters boyfriend to provide his license to allow full coverage. This note was issued in May and has expired without notice (I'm aware my mother should have kept track of it too). My sister and the boyfriend were legitimately driving with no knowledge the car was uninsured.

Is there any recourse here at all? He begged this douche officer to let him drive home rather than seize the car and strand two infants so the car hasn't been siezed and literally ten minutes after getting the call, with them still at the side of the road, we had it insured.

But now the boyfriend has to go to court. We already have money issues without fines for being uninsured for 5 days. Is there anything to be done or is it just another case of the regular guy, making an honest mistake and getting pounded hard for it while the criminals continue to get away?

funkycoldribena

6 points,few hundred quid fine,end of.Not what you want to hear but thats the reality.

paddedjohn

Regardless of it being an honest mistake he was driving uninsured, he was lucky the 'douch officer' let him continue without taking the car, and even luckier that ha wasnt involved in an accident. Hes made a mistake and will be fined for it and could i think get 6 points which will affect the insurance premiums even more.

Blackpool_Saver

and the moral of the story is NEVER take anyones word for anything READ documents yourself and handle your own affairs

RichGold

I'm surprised they didn't take the car. Normally, the police would have had the car away without thinking twice. Maybe having the infants in the car was what saved them from getting a taxi home. Be thankful for that at least as that's saved at least £180 towing fee and about £20 a day storage.

The onus lies with the driver of any given car to ensure they are legal to drive it in every way. MOT, tax and insurance. Honest mistakes are coppers bread and butter, as they see so many people flouting the law without insurance that its black and white to them, and the courts.

If he had no insurance, and now you're sure he had no insurance, then its at least 6 points and at least a £200 fine. Both penalties will be higher if he contests it and goes to court.

Sorry but that's how it goes, and I speak from experience.

Blackpool_Saver

RichGold wrote: »

The onus lies with the driver of any given car to ensure they are legal to drive it in every way. MOT, tax and insurance.

My point exactly, if you are old enough and grown up enough to drive a car, which can be a lethal weapon, you are old enough to deal with your own insurance, not let mother or mother in law do it for you.

Oh and mature sensible people do not call the police that name you used either, that is disgusting. I for one am glad the police are out on the roads looking for uninsured drivers, I don't want you harming me or my family when you don't have insurance.

paddedjohn

As an aside, what would have happened if the car was involved in an accident AFTER the police officer had let him drive it home without insurance? Would the police be liable in any way?

pompeyrich

paddedjohn wrote: »

As an aside, what would have happened if the car was involved in an accident AFTER the police officer had let him drive it home without insurance? Would the police be liable in any way?

A good question and probably the reason they wouldn't let anyone carry on driving if they believed them to be uninsured but in this case it seems the officer waited while the insurance was renewed.
From the first post "literally ten minutes after getting the call, with them still at the side of the road, we had it insured."

Dave101t

wow, driving without insurance and somehow its the polices fault? only a woman....

kityboo

sorry but why did the brother in law NOT provide his licence details at time of going onto the policy

custardy

darkwarrior wrote: »

Hello Money Saving gang. My sister's boyfriend was pulled over last night with my sister and their two infant sons in the car. They were told they had no insurance and the cop (Who I would like to use an exotic term to describe) tried to leave them and the two kids at the side of the damn motorway in order to tow their car away.

The car is in my mothers name, she had a cover note for 30 dyas on it while waiting for my sisters boyfriend to provide his license to allow full coverage. This note was issued in May and has expired without notice (I'm aware my mother should have kept track of it too). My sister and the boyfriend were legitimately driving with no knowledge the car was uninsured.

Is there any recourse here at all? He begged this douche officer to let him drive home rather than seize the car and strand two infants so the car hasn't been siezed and literally ten minutes after getting the call, with them still at the side of the road, we had it insured.

But now the boyfriend has to go to court. We already have money issues without fines for being uninsured for 5 days. Is there anything to be done or is it just another case of the regular guy, making an honest mistake and getting pounded hard for it while the criminals continue to get away?

wow what emotive drivel
the police would never leave people at the side of the motorway,so dont even bother with that one.
so in short its the insurers and the Police at fault?
what exactly do you expect to get done? what would the recourse be?
the boyfriend drove without insurance
the reasons are irrelevant
why was a licence required to put him on the insurance?