police asking for documents

raskazz

mrbadexample wrote: »

No insurance is 5-8 points. Why say it's 6? It might be, but equally, it might not. Stop guessing.

Have you got any evidence for this? As far as I am aware, and according to http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425 it is 6-8 points.

Wig

Conor wrote: »

Jusging about the comment regarding her insurance lapsing in September, it's not likely. I bet the person she ran into really appreciates being totally out of pocket, probably losing their NCB and paying through the nose for their own insurance for the next few years thanks to this selfish cow.

Not quite, the person she ran into (if any) would claim against the previous (or current) insurer through the MIB. The claim would be treated like any other claim except that MIB do tend to be rather slow - but it will all be sorted in due course. The person would lose some NCB and have a raised premium just like they would for any accident with an insured person, but it will all be refunded and sorted out as soon as blame has been attributed to the other party and they have recovered their uninsured losses.

CarUser_2

Ask your friend to check if her insurance covers her to drive other cars on 3rd party, if not your friend will get 6 to 8 points for not being insured. If she just passed in the last 2 years i think she will lose her licence. A driving ban is dependent on here job and other things, for example if she use her car for working then she properbly wont get a ban. The fine goes from £250 to £5000 which depends on the wages. If she just become brankrupt i dont know what the financial status is like. If she has got a fare bit of money then prepare to be stung (Brother in law got £2500 fine), but i have heard some people getting off with a £150 fine as they simply would not be able to afford the fine. Iv not read through the tread fully, so just a quick question: Did she get a RT10 form which is something the police officer gives when stopping someone, if she did get one, why did she not produce documents.

chris147_2

raskazz wrote: »

Have you got any evidence for this? As far as I am aware, and according to http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425 it is 6-8 points.

It's an odd one really.

Traffic Police Officers can issue fixed penalty notices for no insurance at the road side which is 5 points and £250 fine. However, at court it's between 6-8 points + fine (normally £500 from my experience (not from getting done I may add!)). I know that's odd but I suppose it's a good way of speeding things up and not sending everything though the courts and also means people may think about taking the on the spot one instead.

It won't affect your friend doing the course for the due care but if I were the copper doing the court file for it I'd sure as hell make sure that the file had on that she had been on the course for a due care offence already as there is a pattern emerging if she's managed to clock up so many offences in such a short time.

chuckles1066

mrbadexample wrote: »

So, chuckles, what's the timeframe? I think you're barking up the wrong tree here. Have you anything to support your statement?

My post was based on the OP's *original* comments.

If people can't be bothered to tell the whole story at the outset, they're going to receive advice that isn't necessarily appropriate

If the OP had said from the start "my friend was driving a vehicle whilst uninsured" then everyone's advice would have been different.

chuckles1066

Happychappy wrote: »

Wig is correct, but unfortunately the barrack room lawyer who gives advice to tell plod to sling his hook is not correct.

I've not reproduced your post ad verbatim as I suspect the original site retains copyright privileges.

See my latest post; the OP didn't disclose full info when asking for advice........

sunshine124

hi guys,
sorry i've been working flat out so have been unable to reply to anyone. So thx to all who have given their advice and suggestions.
ok so I asked my friend about the incident, and she said that she was given a slip but she has lost it, Anyway, she told me that she has got insurance but on 3rd party or something, I don't really understand how that works, but I just assume that she is covered for the vehicle. Anyway, she is going to the police station to sort it out and hopefully she will tell me what's happening.
to chuckles1066 - in the original thread i did write down that my friend didn't have any insurance, but when i saw her this week she said she had third party insurance, from a company which has her name on it i don't really understand, does anyone know of this third party cover?

jeannieblue

sunshine124 wrote: »

hi guys,
sorry i've been working flat out so have been unable to reply to anyone. So thx to all who have given their advice and suggestions.
ok so I asked my friend about the incident, and she said that she was given a slip but she has lost it, Anyway, she told me that she has got insurance but on 3rd party or something, I don't really understand how that works, but I just assume that she is covered for the vehicle. Anyway, she is going to the police station to sort it out and hopefully she will tell me what's happening.
to chuckles1066 - in the original thread i did write down that my friend didn't have any insurance, but when i saw her this week she said she had third party insurance, from a company which has her name on it i don't really understand, does anyone know of this third party cover?

She's got third party cover on what? Surely not to drive others cars, you would have car insurance for your own car and possibly third party to drive other peoples, so can one assume then, that she does have her own car too?

You can't take out insurance on someone else's car... it is illegal to insure a car twice, and impossible to do as well, I would've thought.

oddbod19

With the police being able to access both insurance and driving licence databases at the time she was stopped, there would be no need to issue a HORT1 if the checks had shown she did not have the insurance. Has she been summoned and this is the court appearance due to the summons.

Wig

So this whole thread has been a waste of time? Either that or she is mistaken about the cover she has.

The only way she can third party cover for her friends car, is if she has Comprehensive cover on her own car (but she told you earlier that she didn't have that, and that was the reason she was driving her friends car) and her policy allows her to drive insured TPO other peoples cars. On very few Third Party policies you can be allowed to drive other cars, but it is usually on comprehensive only.