Car impound despite have motor trader policy

Leafar16

Not sure why he was stopped.
Don't know if the police data base shows the gender of the insured person. Maybe policeman saw female name on the insurance while there was male driver.

He was travelling alone in early afternoon, pulled in London 60 miles away from the registered address.
He has ltd company. 
Anyways, my friend received an offer 6 points and £300 fine which he's going to challenge. He's now in contact with legal team. 

DanDare999

Leafar16 said:

Not sure why he was stopped.
Don't know if the police data base shows the gender of the insured person. Maybe policeman saw female name on the insurance while there was male driver.

He was travelling alone in early afternoon, pulled in London 60 miles away from the registered address.
He has ltd company. 
Anyways, my friend received an offer 6 points and £300 fine which he's going to challenge. He's now in contact with legal team. 

He can't, he needs to refuse and have the matter sent to court.

mr_stripey

It does sound a lot like he wasn't insured to drive his wife's car and was hoping/believing that his motor trade policy was valid - but it sounds like it wasn't in which case, he may have to take the points

sheramber

It was possibly noted a social and domestic if the wife's policy only covered that.

Either the car was covered under his trade policy ir it was not. 

If it was not then he has nothing to dispute.

What has his trade policy insurer advised him?

MX5huggy

Petriix said:

It makes zero sense not to be a named driver on his wife's insurance if he wishes to drive her car at all. It often reduces the overall premium if there are multiple drivers unless there are offences or accidents to declare.

There really isn't any excuse for chancing it.

Your right until the named driver is put down as working in the motor trade, then I expect premiums shoot up. 

Car_54

Leafar16 said:

Not sure why he was stopped.
Don't know if the police data base shows the gender of the insured person. Maybe policeman saw female name on the insurance while there was male driver.

He was travelling alone in early afternoon, pulled in London 60 miles away from the registered address.
He has ltd company. 
Anyways, my friend received an offer 6 points and £300 fine which he's going to challenge. He's now in contact with legal team. 

So, he picked up his sister's car and drove 60 miles, allegedly to look at a trade-in car. May be true, but I can see why the police were suspicious.

prowla

If he was using the car for business, then he should be covered, shouldn't he?

OTOH, if he wasn't and was just telling porkies, then it's a fair cop.

If he was going to look at a trade-in car, then having a confirmation of the appointment to view should be the proof.

(It's a bit like driving a car for an MOT after it's expired; if you've booked it then all is above-board.)

DanDare999

Car_54 said:

Leafar16 said:

Not sure why he was stopped.
Don't know if the police data base shows the gender of the insured person. Maybe policeman saw female name on the insurance while there was male driver.

He was travelling alone in early afternoon, pulled in London 60 miles away from the registered address.
He has ltd company. 
Anyways, my friend received an offer 6 points and £300 fine which he's going to challenge. He's now in contact with legal team. 

So, he picked up his sister's car and drove 60 miles, allegedly to look at a trade-in car. May be true, but I can see why the police were suspicious.

The OP says wife's car.

Grumpy_chap

Leafar16 said:

He has ltd company. 

Leafar16 said:

My friend was driving his wife's car who is the registered keeper and the policy is on her name.
He has his own motor trader policy which states that he can drive any cars held in trust by or in the custody or in control of the policyholder for motor trade purposes.

So, the friend does not have "his own motor trader policy".
The Ltd Co has a motor trader policy.

The friend's wife's car was not "held in trust by or in the custody or control of the policyholder for motor trade purposes"

It would seem, from what has been said in this thread, that the friend was driving without insurance.

Manxman_in_exile

All your friend needs to do is to contact his motor trade insurer, explain the circumstances to them, and ask them to provide written confirmation that his journey was covered by the policy.  Then give a copy of that written confirmation to the police and it will all go away.

Perfectly simple and no need to "contact legal team".  

Of course, you your friend may not have told us you the whole story...