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Driving without insurance
Jun 16, 2010
Insurance cancelled as they were waiting for proof of no claims
First time I have been stopped for having no insurance
As far as I was concerned I had taken the insurance out and paid in full one go
What happened was that the company cancelled my insurance last month as they wanted my NCB proof
They wrote me to ask for it but were writing me on my previous address which I was never receiving, they wrote about the cancellation at also as they say but at my previous address
They had my new address but they say they had the previous address as my correspondence address
Now I have been issued a HO/RT1 form to produce the insurance at the police station in 7 days
Never knew they had cancelled the insurance
Will I be given the option of a fixed penalty or summoned to court ??
As far as I was concerned I had taken the insurance out and paid in full one go
What happened was that the company cancelled my insurance last month as they wanted my NCB proof
They wrote me to ask for it but were writing me on my previous address which I was never receiving, they wrote about the cancellation at also as they say but at my previous address
They had my new address but they say they had the previous address as my correspondence address
Now I have been issued a HO/RT1 form to produce the insurance at the police station in 7 days
Never knew they had cancelled the insurance
Will I be given the option of a fixed penalty or summoned to court ??
Category: Driving without insurance
Posted by: patterson
You would be surprised at how often this happens. What happened to the premium money?
You are at risk of 6-8 points but if you had paid the premium in full you have a good special reasons argument. I think the court will agree that it was reasonable for you to think that you were covered albeit they will want an explanation regarding why the insurance company had the wrong address.
If they agree there are special reasons then you will avoid the points and probably get a discharge rather than fines and court costs.
You may be offered a fixed penalty - but they normally do that at the time they stop you. If they didn't then you will get a summons to court. have you got any points already? If so how many? How long have you been driving?
We succeed with over 75% of our special reasons arguments so if you would like my help then please come back to me and I will be happy to assist.