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
May 5, 2010
Insurance fraud
I was stopped by the police and asked for my insurance certificate. Although I produced a valid certificate to the officer who stopped me, she insisted that she had called my insurance company who had claims that I have cancelled my insurance. My certificate was retained by the police and my car was ceased by them as well.
The next day I went to the police station at which time the police realized that I had a valid insurance certificate. However, it cost me £150.00 to get my car back. Since I was not at fault initially, I asked the police to pay me back my £150.00. As a result of my request, the police stated that I did not disclose to the insurance company at the time of renewal that I had a conviction in 2008. To this I replied that the question asked as I applied for the certificate online was 'For the past 5 years have you had a conviction that is pending? I said 'NO' because in honesty I did not understand that the offense in 2008 was for which I had been penalized was a pending conviction. Following this enquiry by the police, my insurance company cancelled my contract with them.
My insurance company has not brought any case against me but the police have called me in and charged me for fraud. I have been issued with a court summons on 10 May 2010.
I obtained another insurance certificate to enable me use my vehicle. However, since that time the police have stopped me once and come to my house once with two police cars arousing great concern in my neighbourhood. Where do I stand?
The next day I went to the police station at which time the police realized that I had a valid insurance certificate. However, it cost me £150.00 to get my car back. Since I was not at fault initially, I asked the police to pay me back my £150.00. As a result of my request, the police stated that I did not disclose to the insurance company at the time of renewal that I had a conviction in 2008. To this I replied that the question asked as I applied for the certificate online was 'For the past 5 years have you had a conviction that is pending? I said 'NO' because in honesty I did not understand that the offense in 2008 was for which I had been penalized was a pending conviction. Following this enquiry by the police, my insurance company cancelled my contract with them.
My insurance company has not brought any case against me but the police have called me in and charged me for fraud. I have been issued with a court summons on 10 May 2010.
I obtained another insurance certificate to enable me use my vehicle. However, since that time the police have stopped me once and come to my house once with two police cars arousing great concern in my neighbourhood. Where do I stand?
Category: Driving without insurance
Posted by: patterson
That's harsh and you will have a defence if you answered the questions on the form honestly and correctly.
If the form said pending then pending means something that's hanging over you and has not been resolved. Have you got the application form so you can show the court what it said.
You should be able to get legal aid to deal with this matter at court.