18 year old son had insurance cancelled following motoring offence and 28 day ban

paddedjohn

Found the answer to my question here....



Is there any way I can avoid revocation of my driving licence?

Yes. Whilst revocation is automatic if you reach 6 points, if you can prevent points being endorsed, you can avoid revocation. Consequently, for some offences it may be more practical to obtain a short period of disqualification by way of a punishment instead of penalty points. Although to achieve this, you will have to attend Court, if you can convince the Court to impose a punishment that avoids penalty points, you will avoid revocation.
It is important to understand that whilst the Court has no discretion on whether revocation is imposed should you reach 6 points, it does have discretion on the punishment imposed and therefore, avoiding points will avoid revocation. This will require technical knowledge of the law so you should seek legal advice if you chose to go to Court.

tutti_2

Hi All

the conviction was IN14, I've pleaded with the insurance company but despite the mistakes they made, the fact that he notified them straight away, reimbursed the money they paid out received no points and as he's bound over and £2500.00 pound worse off didn't make them budge. Nor did the fact that they cancelled mine and my daughter's policies in error and without knowing we were both driving around for over 2 months with no insurance until the police pulled me over (first time in my 26years of driving) faced having my car impounded and points on my own licence:eek:. So as you may imagine Admiral Insurance won't be getting our business again this year.

It's a scary thought that the cancellation will be with him for life but he has learnt the hard way, anyway Acorn insurance are looking at him. No Black box companies or pay per a mile will touch him but he's still got the classic car route to try, I'm not keen on a motorbike so keeping quiet on that front. A friend once had to hire a car when they had 13 points but not sure any would touch him at his age Kids:(

Silentmemory

Why didn't the 16 year old pay anything towards the cost of the damage he caused?

paddedjohn

Silentmemory wrote: »

Why didn't the 16 year old pay anything towards the cost of the damage he caused?

Have you ever tried getting cash out of a 16yr old?;)

atrixblue.-MFR-.

Silentmemory wrote: »

Why didn't the 16 year old pay anything towards the cost of the damage he caused?

is it the 16 years olds fault for crashing into the cars or is it the 17 uear olds for giving him the keys?

i suppose the 16 year old had 6 points handed to him, and when he gets his licence those will automotically be issued to the license.

dacouch

tutti wrote: »

Hi All

the conviction was IN14, I've pleaded with the insurance company but despite the mistakes they made, the fact that he notified them straight away, reimbursed the money they paid out received no points and as he's bound over and £2500.00 pound worse off didn't make them budge. Nor did the fact that they cancelled mine and my daughter's policies in error and without knowing we were both driving around for over 2 months with no insurance until the police pulled me over (first time in my 26years of driving) faced having my car impounded and points on my own licence:eek:. So as you may imagine Admiral Insurance won't be getting our business again this year.

It's a scary thought that the cancellation will be with him for life but he has learnt the hard way, anyway Acorn insurance are looking at him. No Black box companies or pay per a mile will touch him but he's still got the classic car route to try, I'm not keen on a motorbike so keeping quiet on that front. A friend once had to hire a car when they had 13 points but not sure any would touch him at his age Kids:(

To be fair to Admiral, most Insurers would not want to cover an existing client who lent their car to another young driver especially a sixteen year old. In a car park as well would make them suspect it was in some kind of car park meet which is also not popular.

When you understand how Insurance works eg the law makes the Insurer of the car lent is liable in most cases for the damage the borrower does irrespective of whether they're named on the policy. They have the option of trying to recover their outlay from the policyholder but the chances of recovering any money from a young driver are remote. If you through into the mix young drivers tending to have passengers in the vehicle and young passengers being very very expensive for injuries it gives you some idea as to why they want him off their books asap.

Whether they've gone about it the right way remains to be seen, an "Official Complaint" may help although ultimately I think the Ombudsman may side with the Insurer.

With regards to him learning his lesson, he may well have and be an good driver from now on although there are enough young drivers who've done similar things and then carried on doing them to put the existing Insurers off from taking the financial risk.

On the flip side, I've seen plenty of drivers realise the error of their way and go on to be good drivers.

mattyprice4004

tutti wrote: »

Nor did the fact that they cancelled mine and my daughter's policies in error and without knowing we were both driving around for over 2 months with no insurance until the police pulled me over (first time in my 26years of driving) faced having my car impounded and points on my own licence:eek:. So as you may imagine Admiral Insurance won't be getting our business again this year.

You had a multicar policy, if they cancelled the policy then of course your cars wouldn't have been covered either.

There's a difference between removing one driver from cover and cancelling the policy. Which did they say they were doing?

coinxoperated

In regards to insurance, it might be worth contacting an insurance broker to see what they can find. They tend to have some 'back door' deals which aren't on most of the websites. Remember to up front and honest about everything, preferably in writing (even an e-mail you can keep a record of is better than nothing!). The last thing you'll need if you do find insurance to take is a claim where they state your son didn't declare everything.

It *might* also be worth him taking an advanced driving course funded by himself. It *might* help on the premium side should he complete it all.

Just some ideas!

Tilt

paddedjohn wrote: »

Have you ever tried getting cash out of a 16yr old?;)

I think there's something called 'parental responsibility' whereby you could sue the parents for the money in certain circumstances.

FlameCloud

Tilt wrote: »

I think there's something called 'parental responsibility' whereby you could sue the parents for the money in certain circumstances.

In order for parents to be held vicariously liable there invariably needs to be an element of negligence on the part of the parent in allowing the child to Commit the act.