No insurance

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?


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,299
    1,000 Posts First Anniversary Name Dropper
    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 insurance
  • Aretnap
    Aretnap Forumite Posts: 4,942
    Part of the Furniture 1,000 Posts Name Dropper
    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).
  • Brie
    Brie Forumite Posts: 7,455
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hopefully your employer is paying for the solicitor for this.  And has provided ample paperwork to show that you were insured.  
    "Never retract, never explain, never apologise; get things done and let them howl.”

    2023 £1 a day  £553.26/365
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