Missed Direct Debit Payment – Driving Without Insurance


I have spoken to a colleague of yours who has recommended I email you for some advice.

Last month the police pulled me over for having no car insurance. I had no idea that privilege had cancelled my insurance.

I have now been told that Privilege car insurance stopped my insurance due to a missing monthly payment.

I have been driving for 10 years and I drive around 25k miles per year and have no points on my licence.

I have been told by direct line that the offence code on the fixed penalty notice is incorrect, can this be argued in court.

Code given incorrect – INS 10

Correct – IN 10

Paula Says:

If the insurance lapsed due to a failed direct debit then I’m afraid that you will not be able to avoid the penalty points – the court will take the view that you are responsible for making sure that your payments go through.

The wrong offence code would not amount to a defence for driving without insurance, the only defence is if you can show that you were not driving or that you were insured.

What Our Clients Say About Us...

Read all our Testimonials here