I Had Insurance On Old Car But I Was Driving Without Insurance On New Vehicle


Driving without insurance

Message: I had sold my old vehicle on x for which I had comprehensive insurance policy till x. I had bought a new vehicle on x and renewed my insurance from x. Unfortunately I failed to inform the insurance team about the change in the car and met with an accident on x (I hit a stationary Ford x model car from behind).

I only had car insurance for my old vehicle at this time. My insurance for the new car was only due to start from x. The police were there at the scene of accident. They breath analysed me and found no alcohol.

They asked me to exchange my “details” with other car driver which I did. When I called my insurance company, they informed me that my new car was not insured. I informed the opposite car driver about it.

I am still awaiting summons from the opposite driver as well as the police. I am not sure where to go from now. May I know if I have to pay the whole expenses for the damage to the car. May I know what are the implications please?

Thanks and regards.

Paula Says:

I assume that the police are involved in the no insurance allegation and that you have been told that you are going to get a summons to court.

Have you got any penalty points on your licence already? If so, how many?

I can only help you in relation to the criminal allegation of driving without insurance. I have a colleague called Chris Lodge who specialises in civil litigation and I will forward this email to him as well. He will be able to assist you with any civil claim for damages.

You will be at risk of 6-8 penalty points for driving without insurance and a hefty fine.

If the accident was your fault then you will probably be liable for the other persons claim but I will let Chris advise you in that regard.

Have you got any penalty points on your licence already? How long have you been driving?

Tell me more and I will be happy to assist further.

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