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Driving without insurance
Sep 27, 2010
Insurance company removed me as a named driver...
Alleged Offence: Driving without insurance
Your road traffic offence question: Afternoon.
I am an additional driver on my girlfriend's (x) 3rd party insurance. She has kept upto date with insurance payments for 10years. I am a new driver and she kindly went with a cheaper car insurance agency and put me on as additional driver. It is a family car and i use it to provide youth services which i will nonlonger be able to do without my car. I was pulled over on x by the police saying they cannot find insurance on the car. We have made all payments throughout the year, however the company changed their policy and no longer insure those under 30 years of age. we did not receive a letter explaining this, and x with 10 years of driving assumed like all her other previous insurance companies they would renew automatically. While with the police i called x and and she found that the insurance ended 2 weeks before i was stopped. I have a full driving licence MOT and Tax and driving under the impression i was fully insured. we are both professional young adults working on a new family. We have never been in trouble with the police and obviously this was an honest mistake. Which could have been avoided had the insurance company made a courteousy call to find out if we had received their letter. I am starting a new Yoga/Martial rts business and x is a Teacher through an agency so money is not regular and this will cost us dearly and i will loss my licence for being an honest citizen! Many people drive around intentionaly without any legal documents whatsoever and they are not penalised in this way, i think itr is outrageous. Is their some way you can help or give some helpful advice.
Your road traffic offence question: Afternoon.
I am an additional driver on my girlfriend's (x) 3rd party insurance. She has kept upto date with insurance payments for 10years. I am a new driver and she kindly went with a cheaper car insurance agency and put me on as additional driver. It is a family car and i use it to provide youth services which i will nonlonger be able to do without my car. I was pulled over on x by the police saying they cannot find insurance on the car. We have made all payments throughout the year, however the company changed their policy and no longer insure those under 30 years of age. we did not receive a letter explaining this, and x with 10 years of driving assumed like all her other previous insurance companies they would renew automatically. While with the police i called x and and she found that the insurance ended 2 weeks before i was stopped. I have a full driving licence MOT and Tax and driving under the impression i was fully insured. we are both professional young adults working on a new family. We have never been in trouble with the police and obviously this was an honest mistake. Which could have been avoided had the insurance company made a courteousy call to find out if we had received their letter. I am starting a new Yoga/Martial rts business and x is a Teacher through an agency so money is not regular and this will cost us dearly and i will loss my licence for being an honest citizen! Many people drive around intentionaly without any legal documents whatsoever and they are not penalised in this way, i think itr is outrageous. Is their some way you can help or give some helpful advice.
Category: Driving without insurance
Posted by: patterson
It maybe possible to persuade the CPS to drop this matter on the basis that there was no criminality on your part. I think you have reasonable prospects of achieving this on the basis that you were driving under the genuine and reasonable misapprehension that you were insured.
What stage are you at? Have you got a court summons or are you still dealing with the police?
The only other way to avoid revocation would be to persuade the court that you have special reasons and that no points should be imposed. You have a very good argument in that regard if your girlfriend will support your application. This way you would avoid being revoked.
If you would like my help with this matter then come back to me and I will be happy to assist.
I charge private fixed fees for my services. I would charge £300 plus vat to try and get the police to take no further action. If the case is before the court then I would charge a fixed fee of £600 plus vat to try and get the CPS to withdraw - if we succeed then I would get your legal costs back for you.
If you would like a chat about how I can help then call in on 01626 359800.