Can I appeal the fine I got for being a day out of date to renew insurance based on..

vaio

Geodark wrote: »

Really sorry but I can't quite see what grounds you have to appeal. it is your responsibility to make sure that you are insured to drive. you took out the insurance you should know when it runs out. What would have happened if you had hit someone? who would have paid that??? it wont have been a random stop you will have been flagged up on an enpr. Dont want to sound harsh here I think you have quite a cheek for asking on how to get out of paying the fine - you were an uninsured driver who could have easily hit someone (car or person) and you need to accept responsibility.

it's not an appeal, there is no appeal.

What the OP is considering is the wisdom of rejecting a fixed penulty and taking it to court where the fine will be based on the specific circumstances to the case including culpability and means/ability to pay.

With low culpability and an early guilty plea the fine should be towards the bottom end of the scale, and depending on income, might well be less than the £300 fixed penalty. and that's before you take into account the ability to pay a fine by instalment, something that isn't available on a fixed penalty

TrickyWicky

EmmaRose89 wrote: »

3. I was asked to produce insurance documents so did so on the spot, it was then brought to my attention the insurance had ran out a week earlier than I thought it would

2. I was stopped literally the day after it ran out as a random stop - it was a clear mistake, I was otherwise driving safely and my car was fine

Something odd going on here. The insurance ran out the week before but it only ran out the day before?

Seems the op doesn't quite appreciate the seriousness of this and the fact that they were risking other peoples livelihoods and futures.

As for why you were pulled Emma, it's pretty simple. The cars onboard ANPR detected you had no insurance and the coppers tugged you. It's as simple as that. You say you had done nothing wrong but infact actually you had: driving whilst uninsured. Thanks for putting up my premium by the way :beer:

trollopscarletwoman

TrickyWicky wrote: »

As for why you were pulled Emma, it's pretty simple. The cars onboard ANPR detected you had no insurance and the coppers tugged you. It's as simple as that. You say you had done nothing wrong but infact actually you had: driving whilst uninsure

Do we know she was stopped by anpr?

Is the database that accurate and updated-I've no idea!

Richard53

TrickyWicky wrote: »

Something odd going on here. The insurance ran out the week before but it only ran out the day before?

I read it as:

Insurance runs out Friday 2nd.
OP thinks it runs out next Friday 9th.
Op drives on Saturday 3rd, uninsured.

She said "a week earlier than I thought it would", not "a week earlier".

TrickyWicky

trollopscarletwoman wrote: »

Do we know she was stopped by anpr?

No but we do know she was stopped by the police!

Crikey ANPR is now so advanced they're letting it go out and tug motorists too? :rotfl:

trollopscarletwoman

TrickyWicky wrote: »

No but we do know she was stopped by the police!

Crikey ANPR is now so advanced they're letting it go out and tug motorists too? :rotfl:

Well I run around with no mot for nine months passing plenty of speed vans and copper cars behind. Never got stopped.

TrickyWicky

I don't think they prioritise MOT checks unless they tug you. I think the main thing they look for is insurance.

Aretnap

Paradigm wrote: »

I'm a bit surprised the OPs insurer hasn't auto renewed, something they all seem to try?
I'm not keen on it but it would have helped in this instance.

A short term policy wouldn't typically auto-renew. You say at the time you take it out precisely ow long you want it to last for.

Aretnap

TrickyWicky wrote: »

Seems the op doesn't quite appreciate the seriousness of this and the fact that they were risking other peoples livelihoods and futures...

Thanks for putting up my premium by the way :beer:

Except of course she wasn't risking other people's livelihoods. Her own perhaps as if she'd had a bad accident it could have been very expensive for her... but any innocent third party would have been compensated by the MIB and would have ended up no wore off than if she'd been insured.

Nor did she put your premium up. Admittedly might have done if she'd hit someone and the MIB (which is partly funded by your premium) has had to pay out, but she didn't hit anyone so the only person who lost out was herself.

Nodding_Donkey

Aretnap wrote: »

Except of course she wasn't risking other people's livelihoods. Her own perhaps as if she'd had a bad accident it could have been very expensive for her... but any innocent third party would have been compensated by the MIB and would have ended up no wore off than if she'd been insured.

That sounds great doesn't it? Except the MIB takes so long to pay out that an innocent TP may well have lost their job by the time they got any compensation to replace their vehicle. Never mind the stonking big excess the MIB deduct from the payout. And that's a best case scenario. From their we go to maybe a motorcyclist with a broken leg. Two months with no wages, no job to go back to and 18 months later gets the money for the bike and lost wages for the two months. Is he "no worse off"?

As excuses go for uninsured driving "the MIB will payout" is pathetic.