Will I lose my license?

[FMOB]

Quite a spectrum of responses.

You cannot do much about what is coming but getting some legal advice may help mitigate the worst impact is sensible.

Moving forward if the worst happens is to see what alternative transport is available and try them so if you cannot drive you have options available. There is also a chance to save the money you would have spent on fuel, etc into savings to help smooth the financial bumps we all experience.

If you can continue to drive I suggest moving the insurance direct debit to a couple of days after payday to hopefully avoid the running out of money scenario.

[119]

martinbiz said:

Bullitt 1 said:

helix402 said:

Licence. Will be lost.

With a bit of luck, no excuses

Helpful posts

But valid.

[Pica-Pica]

Percy Cushion said:

TwigtheWonderkid said:

Driving without insurance is theft, even if you don't claim. Money you should be paying into the pot goes unpaid, and the rest of the insurance buying public have to pay a levy on their insurance of £30-£40 to make up the shortfall.

I’m sorry but that is bull. Theft? Who has the OP stolen from? How are insurance companies impacted? There is no claim! Did you even read the original post?

I think Twig explained it. Those who pay Insurance premiums, contribute an amount to cover uninsured drivers. A similar issue with tax-evaders.

[dundarach]

Have you contacted AGT yet, he seems to be rather good?

For what it's worth, I don't think you'll loose your license, not sure 2 SP30s and no insurance make you especially terrible.

However for what it's worth, I agree it's very much like theft and being crashed into is really bloody awful, if you subsequently found out they didn't have insurance it could easily become quite a significant problem in your life for something that wasn't your fault, they've effectively stolen both money, time, peace of mind and much more from you.

People who don't give a st about other people really wind me up, not suggesting that's you OP, however no insurance is a stty thing to do, however it's hard to tell whether by accident or deliberate fault.

Lad in office forgot and got 6 points, he's on 9.

[Ken_Code]

JackJarvis said:

Your garage shows you have 3 (very decent) cars, couldn't you just use another one ?

It was a strange decision not to sell one to be able to afford the insurance.

[Acuity30]

Should've got an Ebike if you hate walking
Don't drop the soap

[TwigtheWonderkid]

Pica-Pica said:

Percy Cushion said:

TwigtheWonderkid said:

Driving without insurance is theft, even if you don't claim. Money you should be paying into the pot goes unpaid, and the rest of the insurance buying public have to pay a levy on their insurance of £30-£40 to make up the shortfall.

I’m sorry but that is bull. Theft? Who has the OP stolen from? How are insurance companies impacted? There is no claim! Did you even read the original post?

I think Twig explained it. Those who pay Insurance premiums, contribute an amount to cover uninsured drivers. A similar issue with tax-evaders.

Exactly. If everyone bought insurance, and bought the correct insurance, declared all their mods, correct business use etc, far more money would be flowing into the pot to cover the same amount of claims, so premiums for all of us would fall. So someone not paying in is stealing from you and me, as we have to cover their contribution.

Who the hell pays for the MIB? Car insurance buyers, that's who. It wouldn't exist if everyone bought the correct insurance.

[vaud]

Percy Cushion said:

I’m sorry but that is bull. Theft? Who has the OP stolen from? How are insurance companies impacted? There is no claim! Did you even read the original post?

The MIB who deal with compensation in the event of an incident for an uninsured driver:

https://www.mib.org.uk/about-mib/management-and-go...

Is funded by a levy on insurers that we all pay for.

[standards]

martinbiz said:

Bullitt 1 said:

helix402 said:

Licence. Will be lost.

With a bit of luck, no excuses

Helpful posts

I believe the intention of Helix was more to do with linguistics than morality

Edited by standards on Wednesday 8th May 08:46

[Tom8]

Hopefully it is a ban. Really infuriating when people do this and glad punishment is dished out. Just hope the perpetrator doesn't continue ignoring the law when banned.

[The Gauge]

Unbelievable!!

To knowingly drive without insurance, regardless of your financial situation. What goes through peoples minds?
How long would the OP have continued to drive 'just 5 mins to work (and back}' every day had he not been caught?
He then goes for a drive into the Highlands for a walk! Why not walk around the estate you live on instead?
And does that whilst already carrying 6 points! Those points alone should have sent the message that things are getting serious and to be extremely careful behind the wheel.

The only slack I can offer the OP is for him being honest in his post

[davek_964]

Ah, the irony - driving without insurance when :

Crata said:

The premium had increased wildly after picking up 2x speeding fines and with a couple of claims in the last few years.

[Smollet]

So driving knowing you don't have insurance because you can't afford it will likely cost you a lot more in the end. Tbh I have no sympathy. I hope you learn from your actions.

[croyde]

poo at Paul's said:

5 minute commute in a car is what 20 mins on a pushbike? An hours walk?

You made the decision, on the basis of a high premium due to other offences!
Will it really matter if you lose your licence, or will that be the next ‘poor choice’?

Not good enough.

I used to have a 6 min commute to the station.

Leave house turn out of drive on to a 60mph road, leave 60mph road by station. 5 miles, so a an hour and 20 mins fast walk. I know as I did it many times.

Moved back to London, flat in Wandsworth. Get in car and drive, 5 mins later I could still see the entrance to the parking area in my rearview.

Anyhow, sorry to hear this OP. Just bad luck on getting stopped. Guess the cops were bored.

Tell them to come down here, the amount of weed I have just smelt in a rare cross London commute during the rush hour and train strike has made me feel sick.

They'd have a field day as the police down here aren't bothered.

[Retroman]

Crata said:

So....I now await the summons and am worried to lose my license and be banned and potentially worse. I need my license for my work. I am already broke and if I lose my employment and my ability to use my current strategies for managing my mental wellbeing I am worried about where that leaves me. Any advice or opinions welcomed.

I don't see any way of you not losing your license personally.
If being able to drive is so important to your livelyhood and career it was quite foolish to risk it all on a long drive to mentally decompress.
Instead of finding an alternative way to treat your mental health without a car in that instance, you're likely going to have to find an alternative way for the forseable.

A no insurance convicition will mean a 6 month ban, but the impact that offense code has on your insurance is quite grim for future premiums and if you felt they were high now, they'll be significantly worse.

Have you also now lost your car due to it being impounded with no insurance or money to recover it?

[martinbiz]

Retroman said:

Crata said:

So....I now await the summons and am worried to lose my license and be banned and potentially worse. I need my license for my work. I am already broke and if I lose my employment and my ability to use my current strategies for managing my mental wellbeing I am worried about where that leaves me. Any advice or opinions welcomed.

I don't see any way of you not losing your license personally.
If being able to drive is so important to your livelyhood and career it was quite foolish to risk it all on a long drive to mentally decompress.
Instead of finding an alternative way to treat your mental health without a car in that instance, you're likely going to have to find an alternative way for the forseable.

A no insurance convicition will mean a 6 month ban, but the impact that offense code has on your insurance is quite grim for future premiums and if you felt they were high now, they'll be significantly worse.

Have you also now lost your car due to it being impounded with no insurance or money to recover it?

We don’t know the OP’s circumstances, they maybe such that a successful exceptional hardship plea can be put to the court to avoid a totting ban, he needs to get some specialist advice

[Ken_Code]

martinbiz said:

We don’t know the OP’s circumstances, they maybe such that a successful exceptional hardship plea can be put to the court to avoid a totting ban, he needs to get some specialist advice

If he didn’t have enough saved to pay his monthly insurance he’s likely going to struggle to pay for legal advice after having to pay to retrieve his car and with the costs of taxis to and from work in the interim.

Assuming that is he’s no longer driving there.

[alscar]

OP , you seem to have been open enough with the tale and I hope things work out for you BUT it’s difficult if not impossible to feel sympathy.
All of your own doing and through your own choice.
With your prior speeding and claim statistics any Insurance will now be genuinely expensive ( if that prior price you mentioned was for all 3 cars then I don’t think in the scheme of things that sounded too horrendous ) but are you really running 3 cars if you are “ broke “ ?
I think your only chance of not getting a ban is to plead remorse and the fact that you will lose your job but I’m no expert and think for your own circumstances you do need to find someone that is as has already been stated.
On the other hand if you are banned and living so close to work at least you might get a chance to get your financial position back on track.

[vaud]

Sell one of your fleet

• Toyota Yaris GR
• BMW 335d
• Mitsubishi Evo IX MR

And talk to AGTLaw; an initial chat may be quite low cost. If you are banned then sell the lot and get ready for a low insurance group shed for a few years.

[Jordie Barretts sock]

vaud said:

Sell one of your fleet

• Toyota Yaris GR
• BMW 335d
• Mitsubishi Evo IX MR

And talk to AGTLaw; an initial chat may be quite low cost. If you are banned then sell the lot and get ready for a low insurance group shed for a few years.

Does he actually own any of those?

Or is it really a 61 plate Astra with 150k on it?