Pulled over for tints-Getting 6 points for invalid insurance
Discussion
autoshop213 said:
The other day I was driving to work and got pulled over for having tints that were darker than the legal limit (I had told the shop to put ones that were legal but they didn't have that option so I used the least darkest option). I had to take them off on the spot and was told I would be getting a fine for it which is fair. Problem is while the police officer was checking the tints he asked me where I was heading to which I replied I'm heading to work. Then he checked the insurance and told me I will be getting 6 points and a fine for invalid insurance as my insurance only covers SDP. The thing is this is not my daily car, on my daily car I do have the correct insurance to be able to drive to work but that car was in the garage. What can I do in this scenario as I had taken this car to work as a one-off occasion and I don't think it's fair that I'm getting 6 points when I do have the correct insurance on both cars. Also I did update my insurance to allow me to use the car for work too so I could continue on with the journey. Is there any way I can appeal this once I get the letter that I'll be receiving 6 points?
Who owned the car involved?Who owns this "Daily Car"?
E-bmw said:
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,"https://www.lv.com/car-insurance/for-car-insurance...
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.
I may be up a gumtree here because I am also retired and haven't commuted for a time, but I am fairly sure that my personal car insurance has always been "...social, domestic, pleasure/leisure, travel to and from the premises of your employer..." Sometimes it has said "...and in connection with the business of your employer excluding the carrying of goods or samples..."
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
motco said:
I may be up a gumtree here because I am also retired and haven't commuted for a time, but I am fairly sure that my personal car insurance has always been "...social, domestic, pleasure/leisure, travel to and from the premises of your employer..." Sometimes it has said "...and in connection with the business of your employer excluding the carrying of goods or samples..."
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
As i have posted several times, many insurers either offer it as standard with SDP, or if it is extra some premiums are actually cheaper.Is this a sneaky way to provide less cover for more money? Cynic? Moi?
119 said:
motco said:
I may be up a gumtree here because I am also retired and haven't commuted for a time, but I am fairly sure that my personal car insurance has always been "...social, domestic, pleasure/leisure, travel to and from the premises of your employer..." Sometimes it has said "...and in connection with the business of your employer excluding the carrying of goods or samples..."
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
As i have posted several times, many insurers either offer it as standard with SDP, or if it is extra some premiums are actually cheaper.Is this a sneaky way to provide less cover for more money? Cynic? Moi?
motco said:
119 said:
motco said:
I may be up a gumtree here because I am also retired and haven't commuted for a time, but I am fairly sure that my personal car insurance has always been "...social, domestic, pleasure/leisure, travel to and from the premises of your employer..." Sometimes it has said "...and in connection with the business of your employer excluding the carrying of goods or samples..."
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
As i have posted several times, many insurers either offer it as standard with SDP, or if it is extra some premiums are actually cheaper.Is this a sneaky way to provide less cover for more money? Cynic? Moi?
ConnectionError said:
motco said:
119 said:
motco said:
I may be up a gumtree here because I am also retired and haven't commuted for a time, but I am fairly sure that my personal car insurance has always been "...social, domestic, pleasure/leisure, travel to and from the premises of your employer..." Sometimes it has said "...and in connection with the business of your employer excluding the carrying of goods or samples..."
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
As i have posted several times, many insurers either offer it as standard with SDP, or if it is extra some premiums are actually cheaper.Is this a sneaky way to provide less cover for more money? Cynic? Moi?
ConnectionError said:
motco said:
119 said:
motco said:
I may be up a gumtree here because I am also retired and haven't commuted for a time, but I am fairly sure that my personal car insurance has always been "...social, domestic, pleasure/leisure, travel to and from the premises of your employer..." Sometimes it has said "...and in connection with the business of your employer excluding the carrying of goods or samples..."
Is this a sneaky way to provide less cover for more money? Cynic? Moi?
As i have posted several times, many insurers either offer it as standard with SDP, or if it is extra some premiums are actually cheaper.Is this a sneaky way to provide less cover for more money? Cynic? Moi?
Visiting friends
Doing the school run
Going shopping
Driving to and from your usual place of work or study
Driving to and from more than one place of work
Bigends said:
Just checked mine - ive been retired for a while now - heres my standard cover For everyday driving including to more than one place of work
Visiting friends
Doing the school run
Going shopping
Driving to and from your usual place of work or study
Driving to and from more than one place of work
You may not have exactly the same policy as the op.Visiting friends
Doing the school run
Going shopping
Driving to and from your usual place of work or study
Driving to and from more than one place of work
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?
My main car has SDP and business use,Seriously?
My second car policy is social and domestic only.
There are plenty of car users that don’t need commuting to work, retired, second car, etc.
Andeh1 said:
Check your other cars insurance policy, if you were insured for commuting in that policy, could that policy cover you to drive other cars as well? (even if third party insurance only).
If you can get that in writing, that'd be the first conversation I would have with agtlaw.
I'm pretty sure the cover to drive other cars as well is for cars owned by different people, not your own cars. Otherwise you could, in theory, own one of the cheapest cars to insure and also own one of the most expensive and drive the latter on the former policy, if that makes sense.If you can get that in writing, that'd be the first conversation I would have with agtlaw.
The OP will not be able to claim he was covered to drive for commuting purposes because he had that level of cover on his other car, which he wasn't driving at the time.
cay said:
What do you mean 'heading to work' ?
Pretty sure all insurance covers a normal commute to work - but not using your car for work ( visiting clients, sales etc ).
Nope - this is the wording on my wife's policy (with my bolding), and the wording on my policy is almost identical - Pretty sure all insurance covers a normal commute to work - but not using your car for work ( visiting clients, sales etc ).
Use for social, domestic and pleasure purposes.
EXCLUSIONS - The policy does not cover use for commuting, any business purpose, any purpose in connection with the motor trade, carriage of passengers or goods for hire or reward, or for hiring, racing, competitions, rallies, trials, pace-making or speed testing.
Given the lack of understanding I would suggest that there is an awful lot of people driving to work uninsured.
SpidersWeb said:
Given the lack of understanding I would suggest that there is an awful lot of people driving to work uninsured.
And there we have it, complete groundhog day! The wonderful thread from the ever amusing vandriver99...https://www.pistonheads.com/gassing/topic.asp?h=0&...
Gericho said:
The lesson to learn is never answer police questions. Where are you heading to? should be met with a swift "none of your business"
That's an interesting stance,I wonder what would be the outcome if you kept your mouth shut other than the usual name and address etc.Sometimes it seems you can talk yourself into trouble.Although he technically isn’t insured as such I find to be caught out this way is a bit harsh. In the event of an accident he’s not likely to be asked where he was going etc.
I know of a couple of people who’ve been caught out like that. It’s a sneaky question by the police as you think you’re just being honest with them. One of those times honesty isn’t the best policy.
I’m always checking over my policy to make sure everything is correct etc so I don’t get caught out.
I for one do have some sympathy with the op if this is genuine.
I know quite a few people who haven’t got a clue on sorting insurance out and wouldn’t be surprised if a couple of them don’t have the correct insurance, but not for any dodgy reasons.
I know of a couple of people who’ve been caught out like that. It’s a sneaky question by the police as you think you’re just being honest with them. One of those times honesty isn’t the best policy.
I’m always checking over my policy to make sure everything is correct etc so I don’t get caught out.
I for one do have some sympathy with the op if this is genuine.
I know quite a few people who haven’t got a clue on sorting insurance out and wouldn’t be surprised if a couple of them don’t have the correct insurance, but not for any dodgy reasons.
Geffg said:
Although he technically isn’t insured as such I find to be caught out this way is a bit harsh. In the event of an accident he’s not likely to be asked where he was going etc.
I know of a couple of people who’ve been caught out like that. It’s a sneaky question by the police as you think you’re just being honest with them. One of those times honesty isn’t the best policy.
I’m always checking over my policy to make sure everything is correct etc so I don’t get caught out.
I for one do have some sympathy with the op if this is genuine.
I know quite a few people who haven’t got a clue on sorting insurance out and wouldn’t be surprised if a couple of them don’t have the correct insurance, but not for any dodgy reasons.
Had he not tinted the windows…..I know of a couple of people who’ve been caught out like that. It’s a sneaky question by the police as you think you’re just being honest with them. One of those times honesty isn’t the best policy.
I’m always checking over my policy to make sure everything is correct etc so I don’t get caught out.
I for one do have some sympathy with the op if this is genuine.
I know quite a few people who haven’t got a clue on sorting insurance out and wouldn’t be surprised if a couple of them don’t have the correct insurance, but not for any dodgy reasons.
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