Help please; no insurance charge

[T40ORA]

The long and the short of it is that I genuinely forgot to notify my insurance company when I transferred a personal reg onto my car.

When I did spot the mistake, I rectified it - explaining the situation to the brokers who said that there would be no issues from their side.

However, I was snapped a few weeks before I notified them; I went the PACE route awaiting the European judgement and the summons has just come through. I was more or less of the mind to just pay up on the speeding but now I see that they are doing me for no insurance.

Anyone know my legal position on this, and give advice as how to proceed or what the likley outcome is as far as the insurance charge?

All input very gratefully received!

[AndyRw]

Do you mean you had an insurance policy for the vehicle, covering you to drive it at the time of the alleged offence, but that the policy had on it the old registration mark?

If that was the case, and the insurance company have told you that they would have covered you to the third-party requirement at the time of the alleged offence on that policy despite the error, then you should be ok. I have had producers come back to me with exactly that situation on a couple of occasions. I phone up the insurance company and so long as they say they would have covered the driver there's no offence and I give the driver a call to let them know I'm happy with it all.

I would suggest you seek advice from your insurance company and ask that they contact the summons unit to state that you were indeed covered at the time of the alleged offence. You may well have to pay for the cost of their letter & time. Alternatively, if you end up at court for it (summons units are incredibly stubborn in my experience, and I'm meant to work with them!) if you can show the court that you were covered (by such a letter that can be verified) at the time, then there will be no case to answer.

The norm for no insurance seems to be 6 points and a fair size fine.

[T40ORA]

AndyRw said:

Do you mean you had an insurance policy for the vehicle, covering you to drive it at the time of the alleged offence, but that the policy had on it the old registration mark?

If that was the case, and the insurance company have told you that they would have covered you to the third-party requirement at the time of the alleged offence on that policy despite the error, then you should be ok. I have had producers come back to me with exactly that situation on a couple of occasions. I phone up the insurance company and so long as they say they would have covered the driver there's no offence and I give the driver a call to let them know I'm happy with it all.

I would suggest you seek advice from your insurance company and ask that they contact the summons unit to state that you were indeed covered at the time of the alleged offence. You may well have to pay for the cost of their letter & time. Alternatively, if you end up at court for it (summons units are incredibly stubborn in my experience, and I'm meant to work with them!) if you can show the court that you were covered (by such a letter that can be verified) at the time, then there will be no case to answer.

The norm for no insurance seems to be 6 points and a fair size fine.

Yes, that's the situation - valid policy but old reistration mark on it.

I updated it through the brokers, who told me they didn't envisage a problem.

So I guess that I'll call and write to them, and see if they can get the actual insurance company to write the letter etc.

Thanks Andy.

[Mr_annie_vxr]

T40ORA said:

AndyRw said:

Do you mean you had an insurance policy for the vehicle, covering you to drive it at the time of the alleged offence, but that the policy had on it the old registration mark?

If that was the case, and the insurance company have told you that they would have covered you to the third-party requirement at the time of the alleged offence on that policy despite the error, then you should be ok. I have had producers come back to me with exactly that situation on a couple of occasions. I phone up the insurance company and so long as they say they would have covered the driver there's no offence and I give the driver a call to let them know I'm happy with it all.

I would suggest you seek advice from your insurance company and ask that they contact the summons unit to state that you were indeed covered at the time of the alleged offence. You may well have to pay for the cost of their letter & time. Alternatively, if you end up at court for it (summons units are incredibly stubborn in my experience, and I'm meant to work with them!) if you can show the court that you were covered (by such a letter that can be verified) at the time, then there will be no case to answer.

The norm for no insurance seems to be 6 points and a fair size fine.

Yes, that's the situation - valid policy but old reistration mark on it.

I updated it through the brokers, who told me they didn't envisage a problem.

So I guess that I'll call and write to them, and see if they can get the actual insurance company to write the letter etc.

Thanks Andy.

This is not an issue. The compute says no insurcance but you can show links etc. Just produce valid docs on the day or copies via post.
They have pnc'd your car for the 172, had no reply from you or one that raised their suspicions about you, presumed your a naughty chap and seeing no insurance held have decided to take you for every offence they can.

You don't commit the offence as far as I and the officers I can think of would be concerned.

[Dwight VanDriver]

As Andy states ^^^^^^^^

get a letter from your Insurance Company to the effect that on the date in question they considered themselves to be at risk in relation to your use of the vehicle.

Plead NG to Insurance Charge and produce said letter at Court.

dvd

[T40ORA]

That's a lot of help guys; thanks.

Letter off to the insurers today, and a call to let them know what I'm doing.

Cheers, Lee.