Insuring my car whilst banned..
Discussion
Hi,
On the 31st October I'll most likely be banned for totting up..not relevant but just for the nosey people.
Anyway my policy was renewed 3 months ago and is up in 9 months.
I am the policy holder with three named drivers.
What's the rules? Do I cancel this and reinsure the car under someone else with a valid license or will my policy still be valid, obviously not for me driving but for my named drivers and for the purposes of fire or theft?
Basically, can I leave it insured in my name even though I'm disqualified?
It's probably a daft question but I want to make sure I get everything is sorted before I lose my license.
Thanks for your help.
On the 31st October I'll most likely be banned for totting up..not relevant but just for the nosey people.
Anyway my policy was renewed 3 months ago and is up in 9 months.
I am the policy holder with three named drivers.
What's the rules? Do I cancel this and reinsure the car under someone else with a valid license or will my policy still be valid, obviously not for me driving but for my named drivers and for the purposes of fire or theft?
Basically, can I leave it insured in my name even though I'm disqualified?
It's probably a daft question but I want to make sure I get everything is sorted before I lose my license.
Thanks for your help.
It depends how much you pay for insurance. Technically I suppose you are meant to inform them, but realistically how are they going to know, and if they did find out what are they going to do? You may as well keep the years no claims if it will help you out.
Also don't assume totting up bans are automatic. Look up exceptional hardship and be creative. If you start doing stuff now that will help you won't be lying. Driving elderly relatives to the shops seemed like a good one when I had to go to court for speeding. Explaining how isolated they would be without the life line of you as there taxi.
Also don't assume totting up bans are automatic. Look up exceptional hardship and be creative. If you start doing stuff now that will help you won't be lying. Driving elderly relatives to the shops seemed like a good one when I had to go to court for speeding. Explaining how isolated they would be without the life line of you as there taxi.
photosnob said:
Look up exceptional hardship and be creative. If you start doing stuff now that will help you won't be lying. Driving elderly relatives to the shops seemed like a good one when I had to go to court for speeding. Explaining how isolated they would be without the life line of you as there taxi.
"And how long have you been providing this vital social service, Mr Po1?"Umm, ten days, yeronner, since some bloke on the internet suggested it'd be a good way to not be banned...
TooMany2cvs said:
"And how long have you been providing this vital social service, Mr Po1?"
Umm, ten days, yeronner, since some bloke on the internet suggested it'd be a good way to not be banned...
How many times have you been to the Magistrates for speeding matters?Umm, ten days, yeronner, since some bloke on the internet suggested it'd be a good way to not be banned...
For a start you wouldn't be calling the magistrates "yeronner". Are you are honestly saying that with a little bit of knowledge you can't manipulate the exceptional hardship provisions?
The way I suggested would not be lying. It might be taking advantage of the system - however the system is set up so people can.
"I need my car because I take my elderly mother out to do her shopping and to see her ailing friends. She cannot drive nor use the internet. Without my doing this for her she would be cut off from all social interaction, and she would probably have to go into a care home - she would not even be able to do her shopping. I have here a letter from both her, and her Doctor saying the same thing..."
That would work - you can try and deny it, but for a totting up reasons they would not ban you.
Oh, and as far as...
photosnob said:
How many times have you been to the Magistrates for speeding matters?
For a start you wouldn't be calling the magistrates "yeronner". Are you are honestly saying that with a little bit of knowledge you can't manipulate the exceptional hardship provisions?
I'll bow to your clearly superior experience...For a start you wouldn't be calling the magistrates "yeronner". Are you are honestly saying that with a little bit of knowledge you can't manipulate the exceptional hardship provisions?
Just remember that the "exceptional hardship" must be for a third party or parties not you. Thus, the aged relative or your employees who might find themselves without a job if you weren't out there hustling for new business, all might work. Get independent back up such as Doctor, Social Worker, Managing Director, Fellow Board member as appropriate.
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