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No insurance
raafay2001
Posts: 1 Newbie
Hi I am going to court for no insurance. I was stopped by the police in March and I was told I had no insurance because the police officer had spoke to the underwriter and was told as I wasn’t named drive I wasn’t insured. At the time I was working for the company and was going on a work trip for a meeting with a wholesaler. I was in a vehicle that belonged to the company.
It states in the policy if I have the policy holders permission and I am with a named driver I am insured. I was with a named driver at the time.
What is your opinion?
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Comments
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Do you have evidence that it was the terms of the policy and both you had a named driver with you plus the policyholder's permission?
The former isnt a term I've heard of before but dont do much commercial vehicle insurance0 -
If you were driving an employer's vehicle for work purposes then there is a statutory defence available if you had no reason to believe that you were uninsured (assuming that you were uninsured in the first place).
https://www.legislation.gov.uk/ukpga/1988/52/section/143
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Hopefully your employer is paying for the solicitor for this. And has provided ample paperwork to show that you were insured.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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