Another "No Insurance" question
Discussion
My mate (really) got pulled driving without insurance the other week.
It's not his car, it's his mothers (he's young) and he's on her insurance as a named driver.
She forgot to renew the insurance when it expired (she's a bit dippy like that).
He honestly had no idea the insurance hadn't been renewed as it's his mothers car. It's not even like he could have renewed it even if he knew.
Surely you're not expected to check the insurance certificate every time you go out?
Is he facing points and a fine or will the court look on it like it was, a genuine mistake?
He drives for a living so it matters/
6 points would get him a lost licence as he hasn't had one two years yet.
It's not his car, it's his mothers (he's young) and he's on her insurance as a named driver.
She forgot to renew the insurance when it expired (she's a bit dippy like that).
He honestly had no idea the insurance hadn't been renewed as it's his mothers car. It's not even like he could have renewed it even if he knew.
Surely you're not expected to check the insurance certificate every time you go out?
Is he facing points and a fine or will the court look on it like it was, a genuine mistake?
He drives for a living so it matters/
6 points would get him a lost licence as he hasn't had one two years yet.
Ravell said:
If he or his mother had an accident, they'd be uninsured. Simple as that.
The insurance company woudn't accept to pay a claim if his mother said "but I meant to have insurance".
As stated before, ignorance is not an excuse!
...unless as defined in statute, but this doesn't qualify.The insurance company woudn't accept to pay a claim if his mother said "but I meant to have insurance".
As stated before, ignorance is not an excuse!
Although I normally have no sympathy for those driving without insurance, I do in this case. I drove both my parents' cars for 6 months after passing my test, and never once actually checked the insurance. I doubt I'm the only one by a long shot.
It's doubly harsh that the New Drivers' Act applies. I suspect this is actually quite a common situation; many people who have just passed will want to use their parents' cars, and they will quite possibly be young and trusting (naive?) enough not to check the insurance. Their minds will be on other things, such as driving for the first time on their own and not crashing....
Bad luck. I don't think there's a way out. Still, a valuable lesson on how you should check everything and that life is not always fair, with motoring more than most things.
Look on the bright side, at least their licence can only be revoked once....
It's doubly harsh that the New Drivers' Act applies. I suspect this is actually quite a common situation; many people who have just passed will want to use their parents' cars, and they will quite possibly be young and trusting (naive?) enough not to check the insurance. Their minds will be on other things, such as driving for the first time on their own and not crashing....
Bad luck. I don't think there's a way out. Still, a valuable lesson on how you should check everything and that life is not always fair, with motoring more than most things.
Look on the bright side, at least their licence can only be revoked once....
s2art said:
How long had the insurance lapsed for? IIRC there is some precedent for the insurance still being in force if it is demonstrated that the insuree certainly intended to re-insure and the insurance company had not warned them.
That used to be the 14 day extended Cover Note to aloow you to re-new at the expiry of your Certificate. With ANPR Insurance database I understand that this no longer applies.My Insurers have withdrawn this.
dvd
Jasandjules said:
peterguk said:
No, but it is normal to know when your insurance and/or MOT expire. All part of being a responsible driver.
Yep, but I imagine most of us have forgotten at one time or another.. I know I have.Dwight VanDriver said:
s2art said:
How long had the insurance lapsed for? IIRC there is some precedent for the insurance still being in force if it is demonstrated that the insuree certainly intended to re-insure and the insurance company had not warned them.
That used to be the 14 day extended Cover Note to aloow you to re-new at the expiry of your Certificate. With ANPR Insurance database I understand that this no longer applies.My Insurers have withdrawn this.
dvd
Ravell said:
If he or his mother had an accident, they'd be uninsured. Simple as that.
The insurance company woudn't accept to pay a claim if his mother said "but I meant to have insurance".
As stated before, ignorance is not an excuse!
Exactly.The insurance company woudn't accept to pay a claim if his mother said "but I meant to have insurance".
As stated before, ignorance is not an excuse!
Always amuses me when people blame everything and everyone, including the system, when it was their OWN INCOMPETENCE that lead to their situation in the first place.
Call me cynical but why do I think the true story went along the lines of Mum saying she'd insure the car for darling child for the first year but when the renewal came up darling child was to insure the car himself in his own name (rather than defrauding the insurers by lying about who the main user of the car was!) and darling child then didn't quite get round to it.
Dizzy mum might be but not insuring her own car?
Sorry, smells a abit to me
Dizzy mum might be but not insuring her own car?
Sorry, smells a abit to me
BJWoods said:
that's a bit harsh
I would hope the system - would be reasonable flexible, not to throw the FUll book at him..
say you 17, mum says you are insured as a named driver, mum forgets, let it lapse, it would be a reasonable mitigating circumstance, not an excuse. don't you think.
B
Yes. I`m sure if you were unfortunate enough to be involved in an accident where a person was maimed, that they would see the funny side of not having a frigging bean for the rest of their lives.I would hope the system - would be reasonable flexible, not to throw the FUll book at him..
say you 17, mum says you are insured as a named driver, mum forgets, let it lapse, it would be a reasonable mitigating circumstance, not an excuse. don't you think.
B
No excuse (though I have done it myeself)
Edited by Towie on Saturday 8th September 23:56
TPS said:
Jasandjules said:
peterguk said:
No, but it is normal to know when your insurance and/or MOT expire. All part of being a responsible driver.
Yep, but I imagine most of us have forgotten at one time or another.. I know I have.Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff