What's the penalty for driving with no insurance please?

anewman

iolanthe07 wrote: »

Much better to confiscate and crush their cars - and make them watch!

Crush their citroen saxos with 6x9's, cd player, crap exhaust and modified headlights etc. I'm up for seeing that happen.

But surely you can fine them £2k and have it automatically taken out of their wages or something?! There is a real detterent then.

MrsTinks

I agree the laws are too slack on uninsured people and people driving without driving licenses. I've gone through the £1000+ for insuring a car and I am a girl... and it was a c reg polo c... oh the good old days. Now I pay about £400 a year fully comp on a 54 plate mini cooper worth £10k... mad... but I DO have full no claims. If people get caught driving without insurance it should involve instant 7 days in the slammer, 6 points and £500+ fine, as well as crushing their pimp-mobile.
It should be reviewed by a magistrate as I appreciate there are extenuating circumstances and in some cases if proof can be provided that say a DD was set up but the money failed to go out etc then a slightly more lenient punishment could be given. However it IS the drivers responcibility to ensure they are insured. Not the insurance company. I'm not unsympathetic, but I think there is an increasing tendency towards trying to pass the blame. Maybe thinsg would run a lot smoother if people took more responcibility?
Not saying I'm right or wrong btw... just my view on it...

As for telling insurance about points then ALWAYS tell them. If you haven't and they then find out after you have an accident they MIGHT void your insurance... don't give them the excuse

Altarf

vaio wrote: »

Way back in the 70’s when I was a young apprentice with a shiny new licence my insurance was about £40 (for a Mk 1 GT Cortina) this was about 2 weeks wages.

And back then if you had an accident would everyone in the car you hit claim for "whiplash".

I witnessed an incident recently where one driver slightly touched the car in front in a parking manoeuvre. There was a slight mark on the bumper of one car from the plastic bumper of the other that looked like a quick rub would remove it. The injured party wanted the other driver's insurance details as they believed that it would cost £500 to put right (special paint apparently).

epz wrote: »

frankly the problem seems to be the insurance companies targeting the risk too specificly, sure 19yr olds are riskier but if everyone gets older so why not group them together a bit more so you over pay a small amount more when you are older and richer.

Because most people want the cheapest insurance and the cheapest insurance for the older drivers is one that targets their risk very specifically. So the company that spreads the risk of the 19 year olds onto the older drivers will find that it only has 19 year old customers and no older drivers to subsidise them.

iolanthe07 wrote: »

I've always wondered why it's cheaper to be fined for not being insured than being insured.

I asked a magistrate about this, and she said that they are instructed to impose fines at a level where there is some prospect of them being paid.

Because if they don't pay them you have two choices, put them in prison (nice idea, but they are full and building new ones is expensive) or wipe the fine out.

And as for giving them 6 points and/or a ban for driving with no insurance, if they do try to go legal and get insurance, the insurance company pushes up the price as they have 6 points and/or a ban for driving with no insurance... And round and round it goes.

darich

anewman wrote: »

Thing that annoys me is if I lived at my GF's house the premium would be over £200 cheaper. £200 difference just because of a postcode. Yes my area is crap and there's w*****s everywhere, but I'm not one of those w*****s and I won't be driving like a complete nutter in a manner likely to cause accidents. I don't see why my risk is different because of where I live really, accidents can happen anywhere.

Insurance doesn't just cover you for accidents. If you live in an area with a lot of w*****s, as you put it, then there is a higher chance of one of those w*****s stealing or vandalising your car. In that case you'd claim the insurance for new car(if stolen) or a respray if vandalised.
There are obviously fewer w*****s in the area your g/f lives in!

craig.allens

I have recently been issued with a fixed penalty and 6 points, for no car inssurance.

However my partner took me off her policy 4 months ago, she then told me she would put me back on, but she forgot to. I have not reali drove the car but she is pregnant and in some discomfort, I took the wheel, with the impression that I was insured, but because she for got to do it I wasn't!

99% of the time she drives any way.

Is there anything I can do?

HappyMJ

What? Have you been caught again? If not then don't drive it again till she adds you on to her policy. It'll only take a phone call and for your peace of mind a few days to wait for a letter from the insurance company confirming you are a named driver.

Arg

Jamz wrote: »

unfortunately it's usually just a fine but these people should be locked up scum!

The people who support the current nonsense insurance system should be locked up.

KierNet

craig.allens wrote: »

I have recently been issued with a fixed penalty and 6 points, for no car inssurance.

However my partner took me off her policy 4 months ago, she then told me she would put me back on, but she forgot to. I have not reali drove the car but she is pregnant and in some discomfort, I took the wheel, with the impression that I was insured, but because she for got to do it I wasn't!

99% of the time she drives any way.

Is there anything I can do?

Pay the fine. You drove without insurance, you should have double checked before you drove.

Apples2

craig.allens wrote: »

I have recently been issued with a fixed penalty and 6 points, for no car inssurance.

{snip}meaningless waffle

Is there anything I can do?

Two things;

1. Get some Insurance, you have absolutley no argument.

2. Stop dragging up four year old posts. Start a new one of your own. Saves people replying to people who are probably dead by now.

Arg

darich wrote: »

Insurance doesn't just cover you for accidents. If you live in an area with a lot of w*****s, as you put it, then there is a higher chance of one of those w*****s stealing or vandalising your car. In that case you'd claim the insurance for new car(if stolen) or a respray if vandalised.
There are obviously fewer w*****s in the area your g/f lives in!

In these areas, is 3rd party only insurance available at a reasonoble price?

Altarf wrote:

The injured party wanted the other driver's insurance details as they believed that it would cost £500 to put right (special paint apparently).

Ridiculous, insurance shouldn't pay for that kind of nonsense.

epz wrote:

i dont mean 19 year olds should be able to get M5's etc but it its for the greater good if they can afford to insure a metro rather than just saying sod it and taking a small fine if caught.

Insurance is still silly even on those french minicars that don't go very fast.