Need Advice - First Offence

ispartacus75

Got pulled over by the police on Friday as the insurance had lapsed on my car in January and we hadnt realised.

We moved house in late November and everything was in boxes, some still is.

The car was seized by the police. We returned home via other means and set up a new insurance policy within 3 hours.

Obviously its going to go before a magistrate, but im just wondering what I am looking at in terms of points and a fine?

shengen

when it goes to court you could reasonably expect about £300 fine plus 5 points and no insurance is usually an automatic ban unless extenuating circumstances like looking after sick granny 20 miles away and no buses

dawnydee73

Having no insurance is not an automatic ban you will get 6 - 8 points on your license, however if you are still in your 2 year probation your license will be revoked and you have to go back to a provisional, not sure how much the fine will be

James&Shell

The only thing i can see is that the judge might be lenient(sp?) if it ran out a couple of eeks after not 6 Months though!

Altarf

ispartacus75 wrote: »

We returned home via other means and set up a new insurance policy within 3 hours.

And you did tell the new insurance company that you were in the process of being prosecuted for driving with no insurance, otherwise...

ispartacus75

Licence held for 15 years so no probation period.

Didnt inform new insurance as it only asks if I have been convicted of any motoring offence. Doesnt ask if I have any pending. And as this all happened on Friday all I have so far is a notice of seizure, there is nothing to yet say that I WILL be prosecuted, though we all know I probably will.

david29dpo

best to let the insurance company know NOW! you will not be covered if anything else happens.

firesidemaid

i know it is quite a while to let it lapse, but if you have never had any driving offences previously, or other offences and have always had a good insurance record, you might be able to ask for leniency.

ispartacus75

david29dpo wrote: »

best to let the insurance company know NOW! you will not be covered if anything else happens.

But what am I supposed to tell them? I might be prosecuted some time in the next year? I might get points on my licence?

How far do I take it? I might develop an eyesight problem in the next year so thought I would tell you now? I might change my job in the next year?

Conor_3

Wait until you get prosecuted.

david29dpo

ispartacus75 wrote: »

But what am I supposed to tell them? I might be prosecuted some time in the next year? I might get points on my licence?

How far do I take it? I might develop an eyesight problem in the next year so thought I would tell you now? I might change my job in the next year?

You tell them things that are relevant to car insurance. All what you have said above are, you may get points, you may develop an eyesight problem, you may change your job, but NOT until it happens!!!! Having no insurance HAS happened. It may not increase your premium yet but it is in your best interests to tell them how. Insurance companies are experts at getting out of paying out if they can, if you say nothing and you ran in to the back of a Ferrari, it is highly likely they will not pay out.