Accidentally driven without insurance - in the clear?
Accidentally driven without insurance - in the clear?
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rpguk

Original Poster:

4,510 posts

306 months

Tuesday 22nd August 2023
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TL:DR - I have (possibly) driven a vehicle without insurance across the country - I didn't get stopped at the time, is it possible/likely I'll get chased retrospectively?

The slightly longer version

I seem to have cocked something up here!

Last week I bought an old vehicle, I'd already got a quote to add it to my main insurance policy to make sure it was viable - figured as a specialist car a broker should be able to beat it easy enough.

When I came to confirm the insurance my insurance companies website threw an error. It was late, after phonelines shut, the weather was turning and my friendly seller spent a couple of hours showing me everything and with a 5 hour drive and the weather turning I just wanted to get on so I popped into a price comparison website on my phone and took the first option with a view to cancelling within the 14 day cooling off period when I found a proper policy.

All went well and today I got sorted by a broker for half the price. When I went to cancel the old policy their website listed it as not starting for a couple more days yet. I guess I'd either clicked the wrong date or it'd prepopulated a date I'd given when doing a speculative quote or something else - it doesn't make much difference - my fault and I'd not double checked.

Anyway I had no issues on my drive back but it did include crossing a big chunk of the country including bits of London and I'm a bit worried about getting something in the post from an ANPR camera along the way.

For what it's worth it was showing as insured on askMID so possibly still the old owner hasn't cancelled their policy yet which would negate any ANPR business but if not am I screwed?

Edited by rpguk on Tuesday 22 August 18:08

0a

24,061 posts

216 months

Tuesday 22nd August 2023
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Whole life term incoming, almost certainly.

Sheepshanks

39,053 posts

141 months

Tuesday 22nd August 2023
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It would be helpful if you'd say which answer you want.

Turkish91

1,120 posts

224 months

Tuesday 22nd August 2023
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Previous owner was likely still insured.

Nothing will come of it.

VeeReihenmotor6

2,529 posts

197 months

Tuesday 22nd August 2023
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You'll be fine. The car was insured at the time of driving so cameras and the like won't be triggered. You got lucky this time so count your blessings and chalk it up to experience.

JulianHJ

8,858 posts

284 months

Tuesday 22nd August 2023
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You're fine. You'd only have had an issue if you had been stopped and was unable to provide proof of insurance at that point.

Grumps.

16,756 posts

58 months

Wednesday 23rd August 2023
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Hmmm could get messy.

mcflurry

9,184 posts

275 months

Wednesday 23rd August 2023
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The punishment is to be hung, drawn and quartered at The Tower of London wink

TonyRPH

13,453 posts

190 months

Wednesday 23rd August 2023
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@OP - for future reference, there are companies that specialise in temporary cover (12 / 24 hours + other durations).

The prices are reasonable too.

rpguk

Original Poster:

4,510 posts

306 months

Wednesday 23rd August 2023
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Thanks, sounds like I got lucky this time! Kicking myself for my own stupidity though!