Been caught driving uninsured
Discussion
Caught driving without insurance I thought I’d changed my policy in October but somehow it never went through. The officer got me to insure the car on the spot then told me to make sure I’m more vigilant in the future. He took all my details and said il receive a letter in the post. It’s my first ever offence what should I expect? Uk resident
Macf190 said:
Caught driving without insurance I thought I’d changed my policy in October but somehow it never went through. The officer got me to insure the car on the spot then told me to make sure I’m more vigilant in the future. He took all my details and said il receive a letter in the post. It’s my first ever offence what should I expect? Uk resident
Did the officer caution you, or say anything to indicate that you would be prosecuted or get a FPN for the offence of no insurance?Since you arranged cover on the spot, that may be the end of if, however I suspect that you will probably get an FPN in the post.
I believe that no insurance currently awards 6 points as standard.
Mandat said:
Did the officer caution you, or say anything to indicate that you would be prosecuted or get a FPN for the offence of no insurance?
Since you arranged cover on the spot, that may be the end of if, however I suspect that you will probably get an FPN in the post.
I believe that no insurance currently awards 6 points as standard.
6 points and £100 fine is the standard penalty. Since you arranged cover on the spot, that may be the end of if, however I suspect that you will probably get an FPN in the post.
I believe that no insurance currently awards 6 points as standard.
I always make sure the documents have come through, either via email or that I can download them from the insurer's website and, either way, save them in my iCloud drive to access on my phone. Also, on the day that my new cover kicks in I check on AskMID that my car is howing as insured. That might just be me being overly diligent though.
What happens there about insuring on the spot? When asked about points etc the answer would be no but if and when you receive the fine and points would you have to tell the insurance and then wouldn’t they question the date of the offence compared to policy start date or am I over thinking this.
Pica-Pica said:
Whenever you renew insurance, whether auto-renew or not, you should always get a new certificate of insurance. I always print that an put it in the glove box.
I don't leave anything identifying in my glove box anymore, once left log book in there with policy, stolen and sold before I knew it was gone whilst on a 4 week break. Never again.Geffg said:
What happens there about insuring on the spot? When asked about points etc the answer would be no but if and when you receive the fine and points would you have to tell the insurance and then wouldn’t they question the date of the offence compared to policy start date or am I over thinking this.
I thought exactly the same. Also would you do it via a comparison website or direct to the previous insurer and hope they don't pull your pants down?Geffg said:
What happens there about insuring on the spot? When asked about points etc the answer would be no but if and when you receive the fine and points would you have to tell the insurance and then wouldn’t they question the date of the offence compared to policy start date or am I over thinking this.
If you were completing a form online for Insurance there would be a question about current or pending offences. My view is that if you had a letter about a Court date for say, speeding, then you should let the Insurer know on the phone. Right now, the OP has not had notification and has not been convicted. And it could be possible for the case to be dropped.Geffg said:
What happens there about insuring on the spot? When asked about points etc the answer would be no but if and when you receive the fine and points would you have to tell the insurance and then wouldn’t they question the date of the offence compared to policy start date or am I over thinking this.
You’re overthinking it. My wife was caught by a plod going in the opposite direction who turned around and blue lighted her. She phoned me, I found her (now expired) documents and gave her the relevant renewal numbers. She phoned the insurers, renewed there and then, got told off by plod for being a div and was then let on her way. As I said above this was months ago and we’ve heard nothing since, and I suspect we’ll hear nothing in future either.SS2. said:
As above, if dealt with by fixed penalty, it'll be 6 points & £300.
If the matter was proceeded to court, it's 6-8 points or a ban, a means related fine and a surcharge upon conviction.
How it will affect premiums for the next 5 years will be decided by your insurer.
If court proceedings then level 5 fine. I.e. unlimited.If the matter was proceeded to court, it's 6-8 points or a ban, a means related fine and a surcharge upon conviction.
How it will affect premiums for the next 5 years will be decided by your insurer.
The surcharge is capped at £2k.
Ussrcossack said:
Firstly you seem to have passed the attitude test
Secondly lesson learnt but always check payments and policies are in place
Not sure of sanction but someone will ne along who can advise
Yeah it was a stupid mistake on my behalf I thought I’d taken out the new policy but I hadn’t signed a form or something so the policy never started. I’ve always been very careful with my license, cars are my main hobby so I’d never risk it over £300 a year Secondly lesson learnt but always check payments and policies are in place
Not sure of sanction but someone will ne along who can advise
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