Driving no insurance

[richardsheen]

Sadly my insurance lapsed for a week and was unaware, a car hit me, he admitted liability. But have to go to magistrates court on monday for driving with no insurance, any idea of fine and points will get. got a solicitor to represent me.

[souffwest]

Whittteee in tha slammer guv'na. Oh sh*t

[Jonny671]

Didn't your insurance auto-renew? I thought nearly all do this..

[SS2.]

Likely to be 6 points.

Any fine will be related to your means (of which I have no idea), but I'll have a stab at maybe £250-£350 ?? And don't forget to factor in court costs of £50-£70 and the mandatory Victim Support Surcharge of £15.

Another whammy to consider is increased insurance premiums for the next 5 years.

[4Q]

Hopefully you'll get bummed half to death in public.

My insurance company nips and nips and nips and nips at me from a month out to renew my insurance. You don't 'forget' to renew your car insurance. You gambled and lost, now you're going to get bought to account.

[richardsheen]

i have two cars a motorbike,three houses and a business to insure. The insurance company who insured me pulled out of the TVR market and did not want to renew.
I do not gamble with my insurance. but thanks for your rather mindless comment

[saaby93]

Jonny671 said:

Didn't your insurance auto-renew? I thought nearly all do this..

I posted about this a few months back
Although they send you a letter saying it's going to auto renew, the first you know it hasnt auto renewed is when they remind you about lack of insurance 2 weeks after it's run out.

If you then ask them to renew it to including those 2 weeks they say tough you're on your own matey, we can't back date.

It's another way of adding to the list of uninsured (but thought they were) on the roads.

[4Q]

richardsheen said:

The insurance company who insured...did not want to renew.

And when did they notify you of this?

Was it in a letter that said your insurance is up but we're not giving you any?

[richardsheen]

no they did not otherwise i would have not driven the car

[Jonny671]

saaby93 said:

Jonny671 said:

Didn't your insurance auto-renew? I thought nearly all do this..

I posted about this a few months back
Although they send you a letter saying it's going to auto renew, the first you know it hasnt auto renewed is when they remind you about lack of insurance 2 weeks after it's run out.

If you then ask them to renew it to including those 2 weeks they say tough you're on your own matey, we can't back date.

It's another way of adding to the list of uninsured (but thought they were) on the roads.

Oh right, I know my previous insurance just carried on when the other ran out. The letter said something about if I don't want it to I'd have to cancel it with them. Though I pay monthly so maybe it makes a difference?

[saaby93]

richardsheen said:

no they did not otherwise i would have not driven the car

Obvious isnt it. It wont help to know you're not the only one it's happened to.

If anyone can sell a back up RTA insurance - say £20-£30 a year- just in case your insurer pulls the plug and the only time you find out is at claim time or offence time.

Edited by saaby93 on Tuesday 7th December 11:53

[Noger]

Broker or Direct ?

They should have sent you a letter.

[ZOLLAR]

saaby93 said:

richardsheen said:

no they did not otherwise i would have not driven the car

Obvious isnt it. It wont help to know you're not the only one it's happened to.

If anyone can sell a back up RTA insurance - say £20-£30 a year- just in case your insurer pulls the plug and the only time you find out is at claim time or offence time.

Thats kind of pointless as people will just drive uninsured then when the "unthinkable" happens they'll just buy a backdate policy as a get out of jail free card.
Also its not the insurer that won't backdate it they arn't allowed by law, if the insurer is at fault they can provide an indemnity to say they would have covered the PH if anything had happened but technically there would have still been no insurance.

Edited by ZOLLAR on Tuesday 7th December 12:43

[ZOLLAR]

saaby93 said:

Jonny671 said:

Didn't your insurance auto-renew? I thought nearly all do this..

I posted about this a few months back
Although they send you a letter saying it's going to auto renew, the first you know it hasnt auto renewed is when they remind you about lack of insurance 2 weeks after it's run out.

If you then ask them to renew it to including those 2 weeks they say tough you're on your own matey, we can't back date.

It's another way of adding to the list of uninsured (but thought they were) on the roads.

Again as said in that previous thread as a policyholder of a motor vehicle you do have responsibilities (sp?) to check your insurance payment has cleared and everything is in force at renewal time ignorance is not an excuse.

[saaby93]

ZOLLAR said:

Again as said in that previous thread as a policyholder of a motor vehicle you do have responsibilities (sp?) to check your insurance payment has cleared and everything is in force at renewal time ignorance is not an excuse.

Word for word what the insurer told my mate
How is he (or the OP)supposed to know that they haven't renewed the policy?
Telepathy? (telephony doesn't work)

As said above and in previous threads - all it does is leave more motorists uninsured
I dont even believe they get the back up RTA cover as the premium's either not been taken or it s been refunded

Other threads also discussed: although the law says that when you take out a new policy backdating isn't allowed, it doesnt prevent reinstatement for the period where a mistake has been made(typically by the insurer but by policy holder too).

What benefit is there to the rest of us by uninsuring people?

[stitched]

ZOLLAR said:

saaby93 said:

Jonny671 said:

Didn't your insurance auto-renew? I thought nearly all do this..

I posted about this a few months back
Although they send you a letter saying it's going to auto renew, the first you know it hasnt auto renewed is when they remind you about lack of insurance 2 weeks after it's run out.

If you then ask them to renew it to including those 2 weeks they say tough you're on your own matey, we can't back date.

It's another way of adding to the list of uninsured (but thought they were) on the roads.

Again as said in that previous thread as a policyholder of a motor vehicle you do have responsibilities (sp?) to check your insurance payment has cleared and everything is in force at renewal time ignorance is not an excuse.

Yes but to me then if I've been insured with the same company for years and the policy has auto renewed each year, I check my statement to ensure the yearly cost has gone out at the correct time and then find that due to some fkwit in the insurance company pressing the wrong key my insurance has lapsed, then I don't see why I should suffer.
If driving a car without insurance is such a heinous crime then causing someone to become uninsured due to incompetence should see the fkwit out on his arse for gross misconduct and banned from the industry.

Yep, that sore spot's still there.

[streaky]

ZOLLAR said:

saaby93 said:

richardsheen said:

no they did not otherwise i would have not driven the car

Obvious isnt it. It wont help to know you're not the only one it's happened to.

If anyone can sell a back up RTA insurance - say £20-£30 a year- just in case your insurer pulls the plug and the only time you find out is at claim time or offence time.

Thats kind of pointless as people will just drive uninsured then when the "unthinkable" happens they'll just buy a backdate policy as a get out of jail free card.

The poster said "backup" as in reserve, not "backdate" - Streaky

[saaby93]

ZOLLAR said:

Also its not the insurer that won't backdate it they arn't allowed by law, if the insurer is at fault they can provide an indemnity to say they would have covered the PH if anything had happened but technically there would have still been no insurance.

Is that useful?
Should the insurer be able to provide that to the OP if pressed?
Can you give an explanation of 'technically'
If theyve taken no premium have they left him uncovered in the eyes of the law or not?

[Soovy]

6 points. Chunky fine.

[ZOLLAR]

streaky said:

ZOLLAR said:

saaby93 said:

richardsheen said:

no they did not otherwise i would have not driven the car

Obvious isnt it. It wont help to know you're not the only one it's happened to.

If anyone can sell a back up RTA insurance - say £20-£30 a year- just in case your insurer pulls the plug and the only time you find out is at claim time or offence time.

Thats kind of pointless as people will just drive uninsured then when the "unthinkable" happens they'll just buy a backdate policy as a get out of jail free card.

The poster said "backup" as in reserve, not "backdate" - Streaky

Ok back up what? what would you need to backup?. any insurer can insurer you from immediate what i believe saaby was refering to was to take out a policy that covers you when you find out your own insurance wasn't inforce and you've had an accident or been pulled, that would be backdating cover.