We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

Options
123457»

Comments

  • Aretnap
    Aretnap Posts: 5,756 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 21 May 2013 at 8:09PM
    Even if you have no licence of any sort, the DVLA will create a "ghost licence" to keep track of your points, and if you get 12 points in 3 years you get banned from driving.*

    "What's the point of banning someone who doesn't have a licence?" I hear you ask. Well, there's at least one big difference between being banned and having no licence. You can't go to prison for driving without a licence or insurance. You can for driving while banned.

    *Unless you can show that a ban would cause exceptional hardship, of course. But it's hard to imagine how banning someone who isn't supposed to be driving anyway could cause exceptional hardship.
  • System
    System Posts: 178,348 Community Admin
    10,000 Posts Photogenic Name Dropper
    Let me get this right...
    Someone else was driving your sons car and he got a ban...?

    What?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Quentin
    Quentin Posts: 40,405 Forumite
    Why what?

    He gave him the keys!
  • Aretnap
    Aretnap Posts: 5,756 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    beany_bot wrote: »
    Let me get this right...
    Someone else was driving your sons car and he got a ban...?

    What?
    If you cause or permit another person to drive without a licence or without insurance you commit an offence (see here and here). The penalty is the same as that for driving without a licence/insurance yourself.
  • silvercar
    silvercar Posts: 49,564 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    Aretnap wrote: »
    Even if you have no licence of any sort, the DVLA will create a "ghost licence" to keep track of your points, and if you get 12 points in 3 years you get banned from driving.*

    "What's the point of banning someone who doesn't have a licence?" I hear you ask. Well, there's at least one big difference between being banned and having no licence. You can't go to prison for driving without a licence or insurance. You can for driving while banned.

    *Unless you can show that a ban would cause exceptional hardship, of course. But it's hard to imagine how banning someone who isn't supposed to be driving anyway could cause exceptional hardship.

    But it is only 6 points in the first 2 years of driving, so are you saying they are banned before they start, or that the 6 points resets to zero at 17?
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Aretnap
    Aretnap Posts: 5,756 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You don't get banned for getting 6 points in the first two years of driving. I've already explained that in posts 57 and 59.
  • tutti_2
    tutti_2 Posts: 59 Forumite
    Well he has now managed to get a quote for £4,200 and Admiral have confirmed that he has one years NCD so I think he'll just have to get saving, fortunately he's just about to get a proper wage so should be able to afford it. He did point out that with his wage increasing he wouldn't really be worse off so I've pointed out what sort of car that would have bought in comparison to his £500 Peugeot with odd coloured drivers door, bonnet and bumper just to make sure he doesn't forget about the pain!!

    Please if you have any newly qualified drivers (even those who appear sensible) make them read this thread ;-)
    Make 11k in 2011 422.29/11,000;)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.