I was stopped by the police at 10am on the morning of my insurance renewal, the insurance expired at 9am, my insurance claim to have sent me a renewal notice which I have never received.
I was paying my insurance on a monthly direct debit account, and as such assumed that the insurance would be renewed automatically if I did not change any of the details of the insurance, the insurance company did not renew, they say they have evidence that they sent the renewal, and that I had to respond to continue the insurance.
The company DirectLine, now want nothing to do with me, I have had to pay £2500 to reinsure the vehicle, I am 19 years old and this was my first years insurance.
I have had no claims and no problems, the car has been taxed, MOT, and serviced, I have had not accidents or incidents and was hoping to be able to buy a new car this year as my job gave me the opportunity to do so, but as a result of this, my job is now in jeopardy.
I am now doing a different job within the company, the offer of the car has gone. I know I am guilty of the offence under the circumstances if I go to court to plead my case what are my chances of not losing my licence, not getting the 6 points confirmed?
I don’t want to lose my job.
Looking for advice.
I’m afraid the court are not very sympathetic when it comes to making assumptions about insurance cover.
They will sometimes agree not to put on points on your licence (its 6-8 penalty points for this offence) but only if they feel that you have been misled or it was a genuine mistake on the part of someone else.
If you take it to court you maybe able to persuade the court to give you a very short ban rather than the points. This is the only way that you will avoid your licence being revoked.
If you would like my help come back to me. I help around 90% of my new driver clients avoid revocation. I would charge a fixed fee of £600 plus vat. This includes your representation at court.
Come back to me if I can assist further and we can have a free chat. Have you got a hearing date or a fixed penalty offer from the police?