Caught without Insurance

omen666

withabix wrote: »

Here follows the legal sequence of events for purchasing a car and then driving it home:

1) find car you like
2) view it (not mandatory!)
3) pay for it or leave a deposit(and obtain V5)
4) go away and arrange insurance
5) stop off at post office and pay for road tax (if vehicle is not taxed)
6) go and collect car
7) drive it away

Not complicated.

I know the process myself, my sister is very young and has misunderstood the situation in the belief that she was covered. I live in London and she lives up north otherwise I would have collected the car correctly

omen666

withabix wrote: »

She could, but then the part of the V5 left with the seller would be wrong.

This is also called perverting the course of justice (I think) and would attract a higher penalty than if she just told the truth.

Thanks, forgot about the other portion of the V5. Certainly do not want her peverting the course of justice. Deffo a holiday there

omen666

So all in all and it was a genuine misunderstanding what do you think she will get in terms of if she pleaded guilty and explained the situation as she saw it and believed?

She currently has 3 points on her licence and has only been driving 2 yrs 4 months.

Also she works with children, would this also hamper her efforts in gaining employment in the future as she has to endure CRB checks at each job

custardy

unfortunatly i can see where she thought she was okay but as has been stated she wasnt.
it could prove costly as insurers tend to hike premiums for people with no insurance convictions

Bettingmad

omen666 wrote: »

So all in all and it was a genuine misunderstanding what do you think she will get in terms of if she pleaded guilty and explained the situation as she saw it and believed?

She currently has 3 points on her licence and has only been driving 2 yrs 4 months.

Also she works with children, would this also hamper her efforts in gaining employment in the future as she has to endure CRB checks at each job

In my particular area it tends to end in a 3mth ban, 6pts and fine in the region of £200-300.

omen666

custardy wrote: »

unfortunatly i can see where she thought she was okay but as has been stated she wasnt.
it could prove costly as insurers tend to hike premiums for people with no insurance convictions

I know my parents would cover any insurance rise from this as she needs the car for work and she is not that well paid in helping runa nursery part time

mrbadexample

Bettingmad wrote: »

I'd check your facts first. Quote

'A person must not use a motor vehicle on a road or other public place unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks'

Therefore the original vehicle would have to have insurance of its own in order for someone else to be able to drive it through their own third party insurance.

You should check your facts first. :rolleyes:

'A person must not use a motor vehicle on a road or other public place unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks'

So a policy for another vehicle giving third-party cover for driving a vehicle not owned by the policyholder satisfies this requirement perfectly. What you've quoted above states absolutely nothing about the car being insured in its own right.

If I were you I'd quit while I was behind. :rolleyes:

Bettingmad

mrbadexample wrote: »

You should check your facts first. :rolleyes:

'A person must not use a motor vehicle on a road or other public place unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks'

So a policy for another vehicle giving third-party cover for driving a vehicle not owned by the policyholder satisfies this requirement perfectly. What you've quoted above states absolutely nothing about the car being insured in its own right.

If I were you I'd quit while I was behind. :rolleyes:

Every vehicle on a road has to have insurance. Fact. Why do you think that Police can seize the vehicle if they find that a particular vehicle has no insurance policy in force for it:rolleyes: Its common sense otherwise every person could neglect to insure their vehicle and leave it at the side of the road, because Uncle albert has his own insurance where it states that he can drive any vehicle third part.

mrbadexample

omen666 wrote: »

could she not say she bought it on behalf of my father and was driving it home and now reg it in my dads name?

Yes, she could say this - she could say anything she likes! I don't know what would happen. It's a bit iffy, and it depends what she told the police when she was stopped. (i.e. "Is this your car madam?" "Yes, I've just bought it.")

I'd be very, very careful about that one.

brazilianwax

As an aside, most insurers don't allow the DOC extension to under 25s. You say your sister is very young. You should get her to check that she does have DOC extension, especially if she is regularly driving other people's cars.

It's not automatic just because you have a comprehensive policy (and I've recently discovered that RAC insurance doesn't offer it at all).

Doesn't alter the fact that your sister was driving her new car without insurance though