Do police check driver insured when issuing speeding ticket?
Do police check driver insured when issuing speeding ticket?
Author
Discussion

st3w1

Original Poster:

6 posts

107 months

Thursday 26th October 2017
quotequote all
Do the polce check if a driver is insured on a vehicle when issuing a speeding ticket? Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?

SantaBarbara

3,244 posts

137 months

Thursday 26th October 2017
quotequote all
They may offer a Speed Awareness Course.

MrLizard

278 posts

212 months

Thursday 26th October 2017
quotequote all
A m8 got done the other day for this, just picked up a £200 beater and was on the way home.. they did check both and that the insurance details matched the person in the car.

Agent XXX

1,248 posts

135 months

Thursday 26th October 2017
quotequote all
Is the van insured in the business name with cover for all drivers?

K50 DEL

9,732 posts

257 months

Thursday 26th October 2017
quotequote all
Not to scaremonger too much but if it's a business "pool" vehicle, then I believe that the company have a legal obligation to ensure that any member of staff using it is correctly licensed and insured to do so....

Certainly at our place you're not allowed to use the van until HR have a copy of your license and the van is insured for all staff over a set age... those under that are aren't allowed to use it.

Did our driver use the van knowing that he wasn't covered or in the expectation that the company policy covered him?
I see a potential can of worms here.


KevinCamaroSS

13,832 posts

309 months

Thursday 26th October 2017
quotequote all
[quote=st3w1 Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?
[/quote]

This makes no sense. Either it is your van, or, it is a company van. If a company van it is likely to cover any employee for business use. If it is yours, why did you lend it to him without checking the insurance situation?

Did you lend your company van to somebody else?

martinbiz

3,698 posts

174 months

Thursday 26th October 2017
quotequote all
st3w1 said:
Do the polce check if a driver is insured on a vehicle when issuing a speeding ticket? Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?
If nothing is done to antagonise them, then there is no reason they will do anything other than collect your money, thats what the whole thing is about after all. Start pissing them about and you flag your case up and run the risk of people taking a deeper look at it.

So send it back promptly nominating the driver and tell him to do the same thing when he gets his NIP

4rephill

5,167 posts

207 months

Thursday 26th October 2017
quotequote all
KevinCamaroSS said:
This makes no sense. Either it is your van, or, it is a company van. If a company van it is likely to cover any employee for business use. If it is yours, why did you lend it to him without checking the insurance situation?

Did you lend your company van to somebody else?
As I read it, the OP runs his own business and has a van that is insured as a company vehicle (so anybody who is an employee of the company would be insured to drive it), lent it to a mate (who has nothing whatsoever to do with the company), and his mate has been stopped for speeding.

Now the OP is concerned that his mate was actually driving the van uninsured, and if the Police look into it and find that out, then he (the OP), could be charged for allowing an uninsured driver to drive his van.






mickmcpaddy

1,445 posts

134 months

Thursday 26th October 2017
quotequote all
martinbiz said:
st3w1 said:
Do the polce check if a driver is insured on a vehicle when issuing a speeding ticket? Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?
If nothing is done to antagonise them, then there is no reason they will do anything other than collect your money, thats what the whole thing is about after all. Start pissing them about and you flag your case up and run the risk of people taking a deeper look at it.

So send it back promptly nominating the driver and tell him to do the same thing when he gets his NIP
This, they wont dig too deep in case they stop the flow of money.

KevinCamaroSS

13,832 posts

309 months

Thursday 26th October 2017
quotequote all
4rephill said:
KevinCamaroSS said:
This makes no sense. Either it is your van, or, it is a company van. If a company van it is likely to cover any employee for business use. If it is yours, why did you lend it to him without checking the insurance situation?

Did you lend your company van to somebody else?
As I read it, the OP runs his own business and has a van that is insured as a company vehicle (so anybody who is an employee of the company would be insured to drive it), lent it to a mate (who has nothing whatsoever to do with the company), and his mate has been stopped for speeding.

Now the OP is concerned that his mate was actually driving the van uninsured, and if the Police look into it and find that out, then he (the OP), could be charged for allowing an uninsured driver to drive his van.
That was my thinking as well, just trying for some clarification.


Edited by KevinCamaroSS on Friday 27th October 21:06

anonymous-user

83 months

Thursday 26th October 2017
quotequote all
mickmcpaddy said:
martinbiz said:
st3w1 said:
Do the polce check if a driver is insured on a vehicle when issuing a speeding ticket? Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?
If nothing is done to antagonise them, then there is no reason they will do anything other than collect your money, thats what the whole thing is about after all. Start pissing them about and you flag your case up and run the risk of people taking a deeper look at it.

So send it back promptly nominating the driver and tell him to do the same thing when he gets his NIP
This, they wont dig too deep in case they stop the flow of money.
Yeah, that's it. It's not because it's prohibitive to enquire / enforce from simple PNC / MIB data...

Rubbish post as usual.




mickmcpaddy

1,445 posts

134 months

Thursday 26th October 2017
quotequote all
La Liga said:
mickmcpaddy said:
martinbiz said:
st3w1 said:
Do the polce check if a driver is insured on a vehicle when issuing a speeding ticket? Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?
If nothing is done to antagonise them, then there is no reason they will do anything other than collect your money, thats what the whole thing is about after all. Start pissing them about and you flag your case up and run the risk of people taking a deeper look at it.

So send it back promptly nominating the driver and tell him to do the same thing when he gets his NIP
This, they wont dig too deep in case they stop the flow of money.
Yeah, that's it. It's not because it's prohibitive to enquire / enforce from simple PNC / MIB data...

Rubbish post as usual.
They ask for your licence to check for points, how hard would it be to ask for proof of insurance, not very is my guess.

anonymous-user

83 months

Friday 27th October 2017
quotequote all
Even if you were somehow able to and only required ones which weren't on the MIB (which they'll be loads) you'd have to manually check with every insurance company as direct debits can be cancelled but certificates retained etc.

Clearly not going to be practical.

Red Devil

13,510 posts

237 months

Friday 27th October 2017
quotequote all
st3w1 said:
Do the polce check if a driver is insured on a vehicle when issuing a speeding ticket? Got a notice of intended prosecution and it looks like driver of my van at the time has no insurance.

Not my problem i know but its a company van and i would like to know if they will look into this matter or will they just issue 3 points to his licence?
As so often, some relevant info missing which has to be inferred.:

As the notice has come to you it must be a camera detected offence otherwise the driver would have received it.
Plus, with a roadside stop the no insurance offence may well have come to light there and then.

What you have is therefore a S.172 request to the RK to name the driver with a view to prosecuting him/her.
I have no idea whether the police will check into whether the person you name is an employee.
If it is investigated I rather doubt he/she will be able to invoke the statutory RTA 1988 Section 143(3) defence.

As for it being not your problem, yes as far as the speeding is concerned.
However the insurance issue, if it comes to light, could be. See 143(1)(b).
Scroll down past the 'standard' list of offence codes - https://www.gov.uk/penalty-points-endorsements/end...


TwigtheWonderkid

49,040 posts

179 months

Friday 27th October 2017
quotequote all
4rephill said:
As I read it, the OP runs his own business and has a van that is insured as a company vehicle (so anybody who is an employee of the company would be insured to drive it), lent it to a mate (who has nothing whatsoever to do with the company), and his mate has been stopped for speeding.

Now the OP is concerned that his mate was actually driving the van uninsured, and if the Police look into it and find that out, then he (the OP), could be charged for allowing an uninsured driver to drive his van.
If that's correct, then he will be covered, as an any driver business car or van policy is not restricted to employees only. Business use is restricted to the policyholder's business only, so providing matey wasn't using the van for some other business, then he is covered.

KevinCamaroSS

13,832 posts

309 months

Friday 27th October 2017
quotequote all
TwigtheWonderkid said:
If that's correct, then he will be covered, as an any driver business car or van policy is not restricted to employees only. Business use is restricted to the policyholder's business only, so providing matey wasn't using the van for some other business, then he is covered.
Not necessarily true. I have worked for a number of companies where insurance cover was restricted to employees only.

HantsRat

2,409 posts

137 months

Friday 27th October 2017
quotequote all
No not every speeding stop. If suspect other offences or showing as no insurance then yes.

TwigtheWonderkid

49,040 posts

179 months

Friday 27th October 2017
quotequote all
KevinCamaroSS said:
TwigtheWonderkid said:
If that's correct, then he will be covered, as an any driver business car or van policy is not restricted to employees only. Business use is restricted to the policyholder's business only, so providing matey wasn't using the van for some other business, then he is covered.
Not necessarily true. I have worked for a number of companies where insurance cover was restricted to employees only.
Well I have never seen that in 40 years of working with fleet and commercial insurers. I've known lots of firms tell their employees that's the case, because they don't want spouses or any Tom, Dick and Harry driving it, but it's never actually been a stipulation from the insurer to the employer.

shakotan

10,862 posts

225 months

Friday 27th October 2017
quotequote all
SantaBarbara said:
They may offer a Speed Awareness Course.
SantaBot fails again.

KevinCamaroSS

13,832 posts

309 months

Friday 27th October 2017
quotequote all
TwigtheWonderkid said:
KevinCamaroSS said:
TwigtheWonderkid said:
If that's correct, then he will be covered, as an any driver business car or van policy is not restricted to employees only. Business use is restricted to the policyholder's business only, so providing matey wasn't using the van for some other business, then he is covered.
Not necessarily true. I have worked for a number of companies where insurance cover was restricted to employees only.
Well I have never seen that in 40 years of working with fleet and commercial insurers. I've known lots of firms tell their employees that's the case, because they don't want spouses or any Tom, Dick and Harry driving it, but it's never actually been a stipulation from the insurer to the employer.
All cars carried a copy of the insurance certificate which said any driver who is employed by X Ltd.