Court fine for no insurance

londonTiger

you had a sympathetic defence, especially given that quote for 2 car is exactly the same as quote for 1 car, so you weren't at an financial advantage to just insure one and try your luck on the other.

If you appeared in front of a magistrate you might have a better chance to present your case, but pleading guilty by post means judge isn't going to bother with the details and circumstances.

Nilrem

londonTiger wrote: »

If you appeared in front of a magistrate you might have a better chance to present your case, but pleading guilty by post means judge isn't going to bother with the details and circumstances.

Not quite, but what it does mean is that the Judge or magistrate can't ask any additional questions or get any idea of if you really come across as honest about it being an accident.


Re the level of the fine and paying it, if the op contacts the court they may/should be able to come to an arrangement to pay it in instalments as it's not in their interest for any fine to be set above the level that someone can pay, but it's one of those things that if attending in person can usually be sorted on the day.

im-lost

nem39esis wrote: »

Agrinnall, i don't simply have £500 lying around at the moment, money in=money out. And selling a car would make it slightly impossible for me or my wife to then get to work to pay for the bills we already have

look on the brightside, come renewal time you wont even be able to afford the insurance on a pushbike, may as well sell both cars now

Spicy_McHaggis

im-lost wrote: »

look on the brightside, come renewal time you wont even be able to afford the insurance on a pushbike, may as well sell both cars now

How do you work that out?

The OP is conviction free, it'll cost him the same as this year.

Hoof_Hearted

im-lost wrote: »

look on the brightside, come renewal time you wont even be able to afford the insurance on a pushbike, may as well sell both cars now

Do you get off on other people's misfortunes?

AdrianC

Spicy_McHaggis wrote: »

How do you work that out?

The OP is conviction free, it'll cost him the same as this year.

He might be, but if his missus is still on the same policy, she isn't.

Spicy_McHaggis

AdrianC wrote: »

He might be, but if his missus is still on the same policy, she isn't.

Well if he took her off no need to sell both cars is there?

AdrianC

If the premium for a two-car policy really was exactly the same price as a single-car policy (I'm sceptical, I have to admit, but I'll go with it), then I wonder if there's a case for persuading the insurer to back-date cover for the second car on the basis that it is a genuine human error, and intent was clearly there?

One relevant detail that the OP hasn't given is how long between this renewal error and his wife being stopped. If it was a matter of a week or two, then there's a strong case for that back-dating.

If it's a more substantial period, then I start to wonder about continuous insurance.

missile

I doubt any insurer would back date a policy, but in any event it would serve no purpose as OP has already pled guilty and been sentences.


AFIK, the summons has a section where the accused can ask for time to pay I.e. he ought to have asked when submitting his guilty plea.


I hope the OP is successful in agreeing terms and will report back on the outcome.

Aretnap

missile wrote: »

AFIK, the summons has a section where the accused can ask for time to pay I.e. he ought to have asked when submitting his guilty plea.

How do you know whether or not you'll need time to pay before you know how much you've been fined?