Pulled over for tints-Getting 6 points for invalid insurance

[911hope]

Super Sonic said:

Op I'm pretty sure that if you can show your insurance had been updated you should be able to appeal.
If you Google 'How to appeal a no insurance...' the top article is police advice telling you what to do.

Wrong

Why would ceasing to commit an offence render prior occasions legal?

Edited by 911hope on Monday 20th May 09:03

[E-bmw]

cay said:

Like anyone has insurance that doesn't cover a normal commute - because people have cars they use to not drive to work?

Seriously?

Lots of people don't work & therefore save money by NOT including Commuting.

[TwigtheWonderkid]

GasEngineer said:

I seem to remember reading on this forum that insurance companies would still cover any Third Party costs had the OP had an accident. They then recover their costs from the policyholder.

Given that the law only requires TP insurance is that a get-out?

No. They are covering the tp costs under an agreement with the MIB, despite their policyholder DRIVING WITHOUT INSURANCE.

[agtlaw]

GasEngineer said:

I seem to remember reading on this forum that insurance companies would still cover any Third Party costs had the OP had an accident. They then recover their costs from the policyholder.

Given that the law only requires TP insurance is that a get-out?

No.

[119]

E-bmw said:

cay said:

Like anyone has insurance that doesn't cover a normal commute - because people have cars they use to not drive to work?

Seriously?

Lots of people don't work & therefore save money by NOT including Commuting.

And yet some insurers on average are cheaper when including commuting and business use

https://www.confused.com/car-insurance/guides/car-...

[98elise]

smifffymoto said:

I can’t believe a lot of you are defending the pathetic antics of insurance companies and their miserable ways of exploiting more cash out of their customers.

By offering you 3 options so you can choose the best (cheapest) for you?

What's pathetic about that, and how is it exploiting customers?

If you struggle with 3 options just choose the highest form of cover and pay the extra cost.

[TwigtheWonderkid]

smifffymoto said:

I can’t believe a lot of you are defending the pathetic antics of insurance companies and their miserable ways of exploiting more cash out of their customers.

I know, the things they ask!!

How old are you, where do you live, what car do you drive, what do you use it for?

It's absolutely scandalous. Ok, so I said I was 57 and living in Cornwall when in fact I'm 17 and in London, but now the scamming nitpickers say I'm not covered!

[eharding]

Andeh1 said:

Because you were technically insured to drive to McDonald's, as that isn't your place of work.

Are you sure about that?

[TwigtheWonderkid]

cay said:

No idea how driving to a normal place of work is some different risk to social use, but I guess they will milk the cow until it runs out.

So I'm retired. I never leave the house in the car until 10:30am at the earliest. You cannot see how that might make me a better risk than someone driving in rush hour traffic twice a day, 5 days a week, to work? I mean, seriously??

[Red9zero]

Monkeylegend said:

Forester1965 said:

OP- were your tints declared as a modification on your policy?

There are silly questions and there are silly questions

When I declared my additional tints on the rear there was an option to declare tints on the front too, with the range of percentages. Not sure what would happen if you actually ticked that box though

[119]

TwigtheWonderkid said:

cay said:

No idea how driving to a normal place of work is some different risk to social use, but I guess they will milk the cow until it runs out.

So I'm retired. I never leave the house in the car until 10:30am at the earliest. You cannot see how that might make me a better risk than someone driving in rush hour traffic twice a day, 5 days a week, to work? I mean, seriously??

In days of old maybe but with hybrid and flexi hours I would have thought the risk during the day has increased?

[TwigtheWonderkid]

eharding said:

Andeh1 said:

Because you were technically insured to drive to McDonald's, as that isn't your place of work.

Are you sure about that?

[E-bmw]

cay said:

You don't have to include 'commuting' in insurance...

https://www.lv.com/car-insurance/for-car-insurance...

"With LV= Car Insurance we define SD&P as including driving to a single workplace,"

Note that the site you have linked to is specifically LV & the quoted text starts with "With LV" this does not mean that every company is the same, just that that is there definition.

The key is check YOUR Ts & Cs.

[TwigtheWonderkid]

119 said:

TwigtheWonderkid said:

cay said:

No idea how driving to a normal place of work is some different risk to social use, but I guess they will milk the cow until it runs out.

So I'm retired. I never leave the house in the car until 10:30am at the earliest. You cannot see how that might make me a better risk than someone driving in rush hour traffic twice a day, 5 days a week, to work? I mean, seriously??

In days of old maybe but with hybrid and flexi hours I would have thought the risk during the day has increased?

We still have rush hours. They may not be as bad as in the past, but they exist. And the school run hours haven't changed.

[E-bmw]

cay said:

No idea how driving to a normal place of work is some different risk to social use, but I guess they will milk the cow until it runs out.

It is because they now know you are driving at busier periods of the day & are time sensitive to make sure you get there in time, these both affect the risk profile.

[E-bmw]

smifffymoto said:

I can’t believe a lot of you are defending the pathetic antics of insurance companies and their miserable ways of exploiting more cash out of their customers.

Nobody is defending any pedantic tactics of an insurance company.

Everyone just seems to be pointing out that the OP made a mistake & somehow expected it to be OK.

[Hustle_]

Insurance comparison websites have had dropdown options for as long as I can remember

S, D & P
S, D & P plus commuting
Business

OP is aware of this as they say their other car does have commuting cover

Have there been any posts from resident motoring legal beagles?

OP really doesn't want an 'IN' code offence on their licence so if there is any hope of appealing this on the basis that their other car was in the garage (easy enough to prove) I'd think that would be worthwhile?

[E-bmw]

GasEngineer said:

I seem to remember reading on this forum that insurance companies would still cover any Third Party costs had the OP had an accident. They then recover their costs from the policyholder.

Given that the law only requires TP insurance is that a get-out?

No.

[WrekinCrew]

Probably dumb question but - could illegally tinted windows invalidate insurance even if OP had commuting cover?

[Sheepshanks]

TwigtheWonderkid said:

So I'm retired. I never leave the house in the car until 10:30am at the earliest. You cannot see how that might make me a better risk than someone driving in rush hour traffic twice a day, 5 days a week, to work? I mean, seriously??

Bearing in mind that commuting, and even Class 1, often don’t seem to make any difference to the premium, it obviously isn’t considered to be that much riskier.