Driving without insurance

happilymarried2013

Good morning, (only just)
My fatherinlaw was stopped in March and issued with an on the spot fine and penalty for driving without insurance.
He still has no insurance, and is due to appear in court next week. Would any body know what the maximum/minimum penalty would be?

May I add that I am not condoning my fatherinlaws actions, infact I am furious with him, but my husband being the only child will want to help out where I know we cannot afford it.

Little help please?

jonathon

whats he in court for has he been stopped twice ?

Cornucopia

He's been caught twice?

Second offence, he'll be banned - probably for 12 months. Possibly a fine of £500+ depending on his income.

marleyboy

6 points for driving without insurance, if its his second time, a whopping 12 points will guarantee an instant (and deserved) ban and possibly a lovely fine to go with it.

fivetide

He'll also be rightfully bent over by the insurance companies when he wants to drive again.

Tell him now might be the time to invest in a bus pass for the benefit of all.

smashingyour...

happilymarried2013 wrote: »

Good morning, (only just)
My fatherinlaw was stopped in March and issued with an on the spot fine and penalty for driving without insurance.
He still has no insurance, and is due to appear in court next week. Would any body know what the maximum/minimum penalty would be?

May I add that I am not condoning my fatherinlaws actions, infact I am furious with him, but my husband being the only child will want to help out where I know we cannot afford it.

Little help please?

Full story please.

He had a £200 fine to pay so what happened?

Joe_Horner

fivetide wrote: »

He'll also be rightfully bent over by the insurance companies when he wants to drive again.

Tell him now might be the time to invest in a bus pass for the benefit of all.

Yes, he will be, but I'd query the "rightfully" on purely practical grounds:

We don't want uninsured drivers on the road.

Someone caught uninsured has already demonstrated that they're willing to take the chance.

By increasing the premium only as a result of that (as opposed to, say, having an accident while uninsured) makes it far more likely that they'll continue to drive uninsured in the future - if it was worth the risk with a "normal" premium it's even more worth the risk with a stupidly high one!

So, do we want to stop people driving without insurance or do we want to keep them doing it until something goes wrong so that we can express lots of outrage?

Personally, I'd rather make it easy for them to mend their ways!

Herzlos

But then uninsured drivers are statistically more likely to be involved in accidents.

If the driver is likely to not bother about insurance, will they be as bothered about such things like MOT's, or any motoring laws?

One would assume that driving without insurance would make them drive like priests to avoid accidents, but it appears that they tend to be more reckless.


We certainly want to stop people driving without insurance, but giving them cheap insurance isn't the answer.

Maybe something like cheaper insurance with compulsary tracking boxes and vehicle inspections or something, or much higher penalties for driving without insurance (getting banned from driving for driving without insurance always struck me as pretty redundant, and the number of people who seem to get banned for driving whilst banned only goes to reinforce that).


In terms of the father in law; he's probably looking at a ban and a fairly significant fine.

fivetide

Joe_Horner wrote: »

Yes, he will be, but I'd query the "rightfully" on purely practical grounds:

We don't want uninsured drivers on the road.

Someone caught uninsured has already demonstrated that they're willing to take the chance.

By increasing the premium only as a result of that (as opposed to, say, having an accident while uninsured) makes it far more likely that they'll continue to drive uninsured in the future - if it was worth the risk with a "normal" premium it's even more worth the risk with a stupidly high one!

So, do we want to stop people driving without insurance or do we want to keep them doing it until something goes wrong so that we can express lots of outrage?

Personally, I'd rather make it easy for them to mend their ways!

So, get nabbed for no insurance and get free insurance?

I completely understand the point but logically, your plan doesn't stack up though. Don't forget, plod will be watching this guy now (with any luck) and he won't want to be off to jail when/if they catch him again.

As I said (but you ignored) the best solution all round is for him invest in a bus pass.

marlot

The alternative is including third party insurance in the cost of fuel?

fivetide

marlot wrote: »

The alternative is including third party insurance in the cost of fuel?

Possibly tax or, like some EU countries, your reg plate. The plate stays with you not the car. The car industry wouldn't go for it though. They know how much importance people place on having the latest NU REG on their car.