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Driving without insurance
Nov 15, 2010
My insurance company told me I was covered third party - special reasons argument !
I have been advised to email you with my question.
I had to re new my car insurance about 3 months ago and when I received the
paperwork through I looked through it to find out if I could drive other
cars and be covered third party I couldn't find anything other than some
small print saying no driver named on the policy is covered to drive other
vehicles, I assumed that meant named drivers as I have a name driver on my
policy as I was unsure I rung my insurance company and just said I have a
quick question am I insured to drive other cars gave them my date of birth
(im 21 by the way) and the man I spoke to said yes that should be fine I
double checked and said are you sure he replied yes. So from then on I
assumed I would be covered in the event I drove another car. Then early
Sunday morning I drove my friends car about a mile as he was too tired to
drive and I stopped in a car park. Then the Police came into the car park
and asked if I had drove the car I said yes and they found out im not
actually insured on other vehicles, They was going to give me a producer but
then found out I was who I said I was and was insured on my own vehicle and
said there's no need to give me a producer but there was a police woman
there and she said I would get 6 points for this. But I didn't get any form
of paper work to say I had been stopped so im just wondering if they have to
give me some sort of paper work for me to get prosecuted for this or whether
they have given me the benefit of the doubt as I was unaware I was not
covered? The police officer didn't make it clear what was actually going to
happen, they took all my details address contact number and where I had been
that night etc. I have also been in contact with my insurance company and
said unless I can tell them the exact time and date I called them they
cannot prove I was wrongly advised and as I make hundred of phone calls a
day at work it will be nearly impossible to remember when I made the call.
Sorry for such a detailed question I was told to give as much details as
possible to stop any confusion.
I had to re new my car insurance about 3 months ago and when I received the
paperwork through I looked through it to find out if I could drive other
cars and be covered third party I couldn't find anything other than some
small print saying no driver named on the policy is covered to drive other
vehicles, I assumed that meant named drivers as I have a name driver on my
policy as I was unsure I rung my insurance company and just said I have a
quick question am I insured to drive other cars gave them my date of birth
(im 21 by the way) and the man I spoke to said yes that should be fine I
double checked and said are you sure he replied yes. So from then on I
assumed I would be covered in the event I drove another car. Then early
Sunday morning I drove my friends car about a mile as he was too tired to
drive and I stopped in a car park. Then the Police came into the car park
and asked if I had drove the car I said yes and they found out im not
actually insured on other vehicles, They was going to give me a producer but
then found out I was who I said I was and was insured on my own vehicle and
said there's no need to give me a producer but there was a police woman
there and she said I would get 6 points for this. But I didn't get any form
of paper work to say I had been stopped so im just wondering if they have to
give me some sort of paper work for me to get prosecuted for this or whether
they have given me the benefit of the doubt as I was unaware I was not
covered? The police officer didn't make it clear what was actually going to
happen, they took all my details address contact number and where I had been
that night etc. I have also been in contact with my insurance company and
said unless I can tell them the exact time and date I called them they
cannot prove I was wrongly advised and as I make hundred of phone calls a
day at work it will be nearly impossible to remember when I made the call.
Sorry for such a detailed question I was told to give as much details as
possible to stop any confusion.
Category: Driving without insurance
Posted by: patterson
You have a special reasons argument to avoid the points. This will be on the basis that you were misled into thinking that you were insured. We have won cases in identical circumstances to yours.
You will get 6-8 penalty points for this matter unless you are prepared to put up a fight.
The police will issue a summons within 6 months - normally 6-8 weeks and this will be sent to the address that you gave when stopped.
Have you got any penalty points already? If so how many?
Tell me more and I will be happy to assist further. If you want my help making the argument I would charge a fixed fee of £700 plus vat and this includes your representation at court. I maybe able to persuade the CPS to drop the case on the basis that there was no criminality on your part - but I cannot guarantee that outcome.
You will get 6-8 penalty points for this matter unless you are prepared to put up a fight.
The police will issue a summons within 6 months - normally 6-8 weeks and this will be sent to the address that you gave when stopped.
Have you got any penalty points already? If so how many?
Tell me more and I will be happy to assist further. If you want my help making the argument I would charge a fixed fee of £700 plus vat and this includes your representation at court. I maybe able to persuade the CPS to drop the case on the basis that there was no criminality on your part - but I cannot guarantee that outcome.