This website is optimised to work with the most recent version of your browser software. make sure your browser is always updated to view the internet as it's supposed to be seen. Internet Explorer | Firefox
Driving without insurance
Apr 26, 2010
Thought I was covered on a trade policy!
I was stopped yesterday for no insurance (ANPR check)while driving my daughters car. I knew her policy had been transfered to another vehicle but I beleived I had cover under a motor trade policy with my employers. I do in fact have an expired certificate naming me on the policy for trade purposes and SD &P use. I have sold her vehicle today. My purpose for driving it was purely to make sure everything was ok with it. It had been standing for a few months. It has now transpired that the policy I was covered on has been changed to a specified vehicle policy, so the vehicles are all insured for anybody in the employ rather than named drivers on any vehicle. The admin were supposed to tell us by email but I was left off that circular. OK I understand will get a fine and points but is there any mitigation I can use? Will my daughter get dragged into this too? I have been driving for over 40-years with a clean record. Thank you.
Category: Driving without insurance
Posted by: patterson
Your daughter could be accused of permitting you to drive the car without insurance but if you didn't ask for permission and you just did it she should be fine.
You will get 6-8 points for driving without insurance. You won't be able to avoid the points unless you can show the court that you were misled into thinking that you were covered. you may have an argument regarding your employers failing to tell you about the change in your insurance....Surely the old trade policy only covered you to drive cars in the course of the trade? Were you going to sell your daughters car through the business?