Advice on conviction please.

CPW007

Could anyone give me some advice please?

I was pulled over by the police in April this year for going over a 3.5 m.g.w bridge in my van and given a fine, that I accepted and paid as I broke the law.
The police then did the usual checks and they then queried my insurance on my van as it was for domestic use only. I was delivering some posters I had printed to a customer and did it in my van as it was cheaper fuel wise. My van was towed away and I had to pay 190 pounds for its release and then had a 300 pound fine and 6 points. Again I paid as I was in the wrong.

Whilst driving my car today, the thought suddenly popped in my head that my car is with a different insurer to what my van was, (had to sell the van to pay the fine). My car is insured for business use and also it allows me to drive another vehicle as well.

With hindsight, I should have told the police that whilst my van insurance is only for casual, my car insurance covers me to drive another vehicle for business use.

I already have just received my points but is there now any grounds for appealing?

I can't afford to appeal and lose and pay more cost as my income is extremely low.

Any advice would be greatful. Thanks for reading.

Le_Kirk

Check the wording on your policy, it probably says something like "any vehicle not owned or hired by policyholder" which means you would not have been covered.

foxy-stoat

CPW007 wrote: »

Whilst driving my car today, the thought suddenly popped in my head that my car is with a different insurer to what my van was, (had to sell the van to pay the fine). My car is insured for business use and also it allows me to drive another vehicle as well.

Check the wording, I would pretty much bet my diet coke that your car insurance does not allow you to drive a commerical vehicle that you own and insure for business use.

Aretnap

It's likely that your car insurance's driving other cars cover only applies to other cars (not vans) which are not owned by you - so your own van would fail on two counts. But even if it did cover you to drive, the time to raise that point would have been before you accepted the fixed penalty. Once you accept a fixed penalty there is no route of appeal - even if you did have good grounds.

Joe_Horner

The (more than) 3.5t personal use van was cheaper on fuel than the business use car? Sell the Ferrari, buy a Mundano for the business, and pay the fine and increased premiums with the surplus

Silver-Surfer_2

Joe_Horner wrote: »

The (more than) 3.5t personal use van was cheaper on fuel than the business use car? Sell the Ferrari, buy a Mundano for the business, and pay the fine and increased premiums with the surplus

Has a car for business and deliveries and a van for personal use?

I guess it is possible.

Retrogamer

As has been mentioned, this cover is usually only applicible to vehicles not owned by the policy holder.

Also, insurance companies normally class cars and vans as a different class of vehicle so a lot of policies that provide third party cover for driving other vehicles would only apply to the same class of vehicle. I.e van third party cover would cover other vans, but not cars and vice versa.

CPW007

Sorry for late replies, I didn't realise anyone had replied. Thanks for all your replies.

CPW007

Silver-Surfer wrote: »

Has a car for business and deliveries and a van for personal use?

I guess it is possible.

I repair home computers so a car is all that's needed.
The van was for when I go rock climbing around the country, I sleep in it

AdrianC

CPW007 wrote: »

The van was for when I go rock climbing around the country, I sleep in it

But it's over 3.5t? That's a big van...

Paradigm

AdrianC wrote: »

But it's over 3.5t? That's a big van...

I was just about to post the same! What van is it?