Drove without insurance

wonn

Bravehearted wrote: »

This is wrong.

Giving incorrect info makes his policy void, so basically he didn't have insurance. It is your responsibility to read and understand the insurers T&C.

OP, there is strong chance you will lose your license if reported. It is automatic and cannot be defended.

No insurance = 6 points = licence lost (New Drivers Act)

Find a way to resolve this out of court/police.

To give some more information... sorry about being obscure but trying not to divulge too much information just in case. I have held my standard licence for many more years - the new/'advanced' licence is not a car licence, the vehicle was not a standard car.

HappyMJ

Bravehearted wrote: »

This is wrong.

Giving incorrect info makes his policy void, so basically he didn't have insurance. It is your responsibility to read and understand the insurers T&C.

OP, there is strong chance you will lose your license if reported. It is automatic and cannot be defended.

No insurance = 6 points = licence lost (New Drivers Act)

Find a way to resolve this out of court/police.

Nothing changes the compulsory part. They can choose to invalidate parts of the policy after an accident but never the compulsory bit except before a claim in writing with 7 days notice. So you could say you are a pefect driver with 30 years driving experience as long as they accept it that's it. You can of course be done for obtaining a financial advantage by deception if you set out to do that but not for no insurance.

He has a certificate. It hasn't been withdrawn before the claim so the certificate is valid.

Mallotum_X

me and my goods were detained for a couple of hours while I was threatened, lied to and had money extracted out of me - more than the damage would have cost I now realise, but they persist in trying to say I should be paying more.

Who took money from you?

Bravehearted_2

vax2002 wrote: »

Do you have any type of contract or paper work appertaining to this insurance, if so and it is valid, it forms a contract and can not be retrospectively withdrawn.

Yes it can be withdrawn - and it has. They've sent him his money back and are not accepting his claim.

A contract can be withdrawn if it is based on a lie - just as you can be fired if you lied on your job application and are found out.

There are no two ways about this - he (unknowningly) lied on his insurance application, thus it is not valid.

Hence, was driving without insurance - this has happened to a countless number of people.

HappyMJ

Bravehearted wrote: »

A contract can be withdrawn if it is based on a lie - just as you can be fired if you lied on your job application and are found out.

They can fire you yes but they must pay you for any work done to date. Same with the insurance. It can be withdrawn at any time but cannot be backdated.

Bravehearted_2

HappyMJ wrote: »

Nothing changes the compulsory part. They can choose to invalidate parts of the policy after an accident but never the compulsory bit except before a claim in writing with 7 days notice. So you could say you are a pefect driver with 30 years driving experience as long as they accept it that's it. You can of course be done for obtaining a financial advantage by deception if you set out to do that but not for no insurance.

He has a certificate. It hasn't been withdrawn before the claim so the certificate is valid.

Oh sorry - you may be right on that.

Not an expert so can't argue against that for certain.

Same goes for Vax.

wonn

Mallotum_X wrote: »

Who took money from you?

The garage. I entered my pin number with a debit card. Wish I had a credit card. But I was told they couldn't let me leave until I did, that they knew where I and my family lived, was surrounded by three men, and tried to put it on record with the insurers' out of hours service that weird stuff was happening and this money was not a compensation payment or anything, just a deposit against whatever happened afterwards. Their story changed several times, they were trying to make me buy the bike right there and then, telling me it the repairs would be made sure to cost a lot more if I didn't buy it myself. The whole thing seemed well rehearsed, talking about how you pay excesses directly, and that the insurance wouldn't cover damage to the vehicle's value beyond the physical (which I realise now is nonsense). They pretty much used the 2008 protection against unfair trading regulations for toilet paper.

As I say, it was stupid, but I was in a bad way (I did suffer minor injuries myself, but also realised (some of) the ramifications of this incident... just needed to warm up and get some food and sleep into me so I could think straight, was too busy gearing up for them tooling up in the mean time, in all seriousness. I was a long way from home, by the way). Trading standards have pretty much told me to go away though, don't want to know, 'one word against three'. I know all this was being filmed by the garage - if that could be got hold of it would support my case.

HappyMJ

edit: no i get it.... you crashed it you have to buy it....sorry...

wonn

HappyMJ wrote: »

They can fire you yes but they must pay you for any work done to date. Same with the insurance. It can be withdrawn at any time but cannot be backdated.

Man, if this is right, you lot are life-savers

wonn

Assuming you aren't all professionals and experts with loads of time you want to spend on helping me, is there anywhere/one you could direct me to so that I can find out my grounds for sure on this? Like I say, this is really appreciated.

Really great forum, this. Like I say, I don't mind doing the right thing if I can just know what it is, but when there are large companies and well-briefed people setting out to bamboozle you when you're low, people like you are wonderful and faith-inspiring.