Will I lose my license?
Discussion
I’ve also have a very good mate who brought a brand new Yamaha r1 , £10,000 , at the time he lived on a side street & kept the bike in the hall way , well that’s what he put on this insurance , 2 weeks after buying it , it was seen being loaded into a van & disappearing into the distance never to be seen again , insurance informed and after a little while claim rejected , he got home that night & thought 1 night chained to lamp post would be fine , but ins send out some one knocking on doors & after speaking to neighbours the truth came out the bike spent most of it time chained to the lamp post
£10,000 just gone just like that , he didn’t seem bothered ( maybe he was ) as just split from ex & had loads of money from selling there home .
£10,000 just gone just like that , he didn’t seem bothered ( maybe he was ) as just split from ex & had loads of money from selling there home .
OP - sorry you've found yourself in this situation. I'd definitely be pleading for mercy from the judge - basically tell them what you've told us. One added bit of bad news I'm afraid is that when I was working for a big insurance firm having an IN10 on your license (driving without insurance) was one of the heftiest offence codes for additional premiums.
Gas1883 said:
I received a phone call at 2 am one sat from my daughter saying her mum had been arrested for No car ins and was in the back of a police car ( wife had gone down to pick daughter up from club as I had early start )
I said but she is insured I’ll be there in 5 mins with insurance certificate , got there to see wife in nightie in back of police car in tears , handed over certificate for ( nice police officer ) to say she is insured on her car , but not on yours , me no she can drive mine but only
Insured tpft, no she’s not , it’s not on the policy , we’re getting this all the time . I read policy ( should of at time realising he was right , I’d changed policy & assumed it had the can drive another car option
Police said you drive your car home , wife hers , but Christ did I get in trouble for it with wife , now she’s always named on my car ( also my fault that night as I knew she was picking daughter up but blocked her car in causing her to use mine ) .
Learnt my lesson , have a good read of documents now & named drivers on each others car
Never understood how people don't have their other half on their insurnce automatically, insured plus spouse is standard practice and usually costs no more and in some cases reduces the premiumI said but she is insured I’ll be there in 5 mins with insurance certificate , got there to see wife in nightie in back of police car in tears , handed over certificate for ( nice police officer ) to say she is insured on her car , but not on yours , me no she can drive mine but only
Insured tpft, no she’s not , it’s not on the policy , we’re getting this all the time . I read policy ( should of at time realising he was right , I’d changed policy & assumed it had the can drive another car option
Police said you drive your car home , wife hers , but Christ did I get in trouble for it with wife , now she’s always named on my car ( also my fault that night as I knew she was picking daughter up but blocked her car in causing her to use mine ) .
Learnt my lesson , have a good read of documents now & named drivers on each others car
martinbiz said:
Never understood how people don't have their other half on their insurnce automatically, insured plus spouse is standard practice and usually costs no more and in some cases reduces the premium
Nope, it's beyond me too. Why rely on DOC to drive your wife's car, and for her to drive yours, which even if you have it, gives TPO cover, when you can be named drivers on each other's policy, get comp cover and usually pay less premium by adding a spouse (assuming you're similar age and record). Just crackers.
Petrus1983 said:
OP - sorry you've found yourself in this situation. I'd definitely be pleading for mercy from the judge - basically tell them what you've told us. One added bit of bad news I'm afraid is that when I was working for a big insurance firm having an IN10 on your license (driving without insurance) was one of the heftiest offence codes for additional premiums.
To be fair I'm quite surprised that the quotes he was getting were £150/Month before the IN10. That means it's about £1800 for the year. I'm making assumptions that he's NE of Scotland based on being 22 miles from the highlands and his previous posts about being in Huntly. (Although there are no motorways up there, so I'm assuming he's meaning Dual Carriageway). NE Scotland is generally a low risk area I would have thought, and being 38YO should be low risk already? Maybe Job description as Tree Surgeon pulls it up?For reference, I'm slightly younger in a similar area paying about 1/6th of the price for a years premium. Hell, I'm insuring 2 cars for less than a third of his premiums. Does 2 NIPs and 2 fault claims really affect it to that extent?
No advice you don't already know OP. Just amazed how a few wrong choices, you think you might get away with, completely destroys your life.
Focus on building a plan to get yourself out of this mess and I don't mean just the driving offence. 38 years old living payslip to payslip and making poor decisions such as driving car with no insurance when you need your licence is a brutal way to screw yourself up and completely avoidable.
From now on put half a days wages per week into a saving account that you never touch until you have 6-9 months of living costs covered. Then start to build some other pots of money for bills, holiday, kid costs. This setup will do you mental health wonders and will prevent you making silly decisions in the future.
Forget about owning cars like a 335d and just get yourself something economical and reliable. Base Toyota Corrola or something. However in the short term whilst on a ban you're going to have to find another mode of transport - electric bike maybe. Use some of the funds from the sale of your 335d to buy one if you do get banned and if you're luck to not get ban buy an economical car.
Focus on building a plan to get yourself out of this mess and I don't mean just the driving offence. 38 years old living payslip to payslip and making poor decisions such as driving car with no insurance when you need your licence is a brutal way to screw yourself up and completely avoidable.
From now on put half a days wages per week into a saving account that you never touch until you have 6-9 months of living costs covered. Then start to build some other pots of money for bills, holiday, kid costs. This setup will do you mental health wonders and will prevent you making silly decisions in the future.
Forget about owning cars like a 335d and just get yourself something economical and reliable. Base Toyota Corrola or something. However in the short term whilst on a ban you're going to have to find another mode of transport - electric bike maybe. Use some of the funds from the sale of your 335d to buy one if you do get banned and if you're luck to not get ban buy an economical car.
TwigtheWonderkid said:
martinbiz said:
Never understood how people don't have their other half on their insurnce automatically, insured plus spouse is standard practice and usually costs no more and in some cases reduces the premium
Nope, it's beyond me too. Why rely on DOC to drive your wife's car, and for her to drive yours, which even if you have it, gives TPO cover, when you can be named drivers on each other's policy, get comp cover and usually pay less premium by adding a spouse (assuming you're similar age and record). Just crackers.
Pica-Pica said:
Agree. There is presumably some statistics/research that points to those in a stable relationship, with most likely family responsibilities, act in a more restrained manner behind a wheel/handlebars.
On my cars it varies. On some it reduces the premium, but on others it increases it.alock said:
martinbiz said:
Never understood how people don't have their other half on their insurnce automatically, insured plus spouse is standard practice and usually costs no more and in some cases reduces the premium
My premium went up when I separated and removed my (soon to be ex) wife.
. No problem, saved him £70. Ken_Code said:
On my cars it varies. On some it reduces the premium, but on others it increases it.
Yep - adding the g/f to mine increased the premium by £40-50. Odd really - based on recent claims etc. I'm a higher risk than her - and it's not even like they're vastly different cars (hers : Audi A5, mine Audi TT). I very rarely drive hers so do rely on the third party cover (which I confirmed does cover her car when we renewed the insurance).
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?Thus the second group have money stolen from them by the first group. b
ds that they are. No offence to the OP. But you owe me. Pit Pony 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?Thus the second group have money stolen from them by the first group. b
ds that they are. No offence to the OP. But you owe me. Crata said:
-My claims x2 were both on rural roads and involved only myself and deer. The dangers of driving at dusk and dawn in remote areas of the highlands. On the first occasion I swerved to avoid a red stag on the road and damaged the rims and suspension on the roadside lay-by kerb. On the second occasion a small roe deer ran out in front of me and hit the offside corner, damaging the bumper, headlight and bonnet. I could have been driving slower and the probability of these incidents occurring would have been reduced. Without some thermal imaging or a big ass set of bull bars it is hard to fully mitigate against this scenario.
Suggest a Defender with bullbars! And I would probably not have claimed on these two - repairing them yourself would probably have been cheaper long term.Crata said:
-Driving is not the main component of my work but I do use various vehicles to perform my role day to day. These consist of tractor w crane and trailer, unimog with front mounted chipper, rear hiab and trailer, pickup with trailer or tipping chip truck with tow behind chipper. I reckon the first two are open for debate as they are technically agri and don't require a license even. Probably do need one for insurance purposes though. Grey area. The others obviously require standard license etc. Thinking as I type but probably can't use any as they all are part of the insurance policy which won't accept me if I am without license for a period of time.
Your use of them on private land would be fine without a license, but on the road would still require a license.Your best bet may be a short ban + hefty fine, not license revocation. If you're employed you'll need to get your employer to give you a letter supporting needing your license for work. If self employed, you'll want to have some good evidence of that need I think. A good solicitor may help you.
davek_964 said:
I crashed a couple of years ago and claimed on my insurance. I'm sure claims also cause insurance to go up as much as people who don't buy insurance - how much do you think I stole from you?
You are totally missing the point. If everybody paid for insurance the premiums would be lower than they are now, because the spend is the same, but the income is spread across a greater number of people. Currently we all pay a 'small' percentage extra to cover uninsured idiots crashing into 'us'.The 'stole from' bit is the excess we have to pay to cover this.
MustangGT said:
davek_964 said:
I crashed a couple of years ago and claimed on my insurance. I'm sure claims also cause insurance to go up as much as people who don't buy insurance - how much do you think I stole from you?
You are totally missing the point. If everybody paid for insurance the premiums would be lower than they are now, because the spend is the same, but the income is spread across a greater number of people. Currently we all pay a 'small' percentage extra to cover uninsured idiots crashing into 'us'.The 'stole from' bit is the excess we have to pay to cover this.
Pit Pony said:
MustangGT said:
davek_964 said:
I crashed a couple of years ago and claimed on my insurance. I'm sure claims also cause insurance to go up as much as people who don't buy insurance - how much do you think I stole from you?
You are totally missing the point. If everybody paid for insurance the premiums would be lower than they are now, because the spend is the same, but the income is spread across a greater number of people. Currently we all pay a 'small' percentage extra to cover uninsured idiots crashing into 'us'.The 'stole from' bit is the excess we have to pay to cover this.
Pica-Pica said:
If I had deposited a sum of money from aged 24 to now, I would be able to have at least £17k ‘insurance’ premiums back. Add in house insurance, and that would be another £7.5k. Motor insurance is compulsory (yes, I know this thread entertains the idea of it seemingly being optional to some), but house and contents insurance is not, I guess because there is rarely a third party at risk, in fact my brother, who is an actuary, did not have insurance on his first house (maybe he was talking about contents, though).
Most mortage providers usually insist on Buildings Insurance being in place to obviously cover their financial interest.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff