ChatterBank1 min ago
diving with no insurance
can you help. my boyfriend has just passed his test 1 week ago and has been driving my car with me as passenger. we got pulled of police for no insurance as it had been cancelled without us knowing. i am the policyholder and who pays for the insurance. the police have siezed the car and said i was getting 6 points but then changed there mind and didnt but what wil happen to my boyfriend as as far as we were aware we were insured and i dont want him to lose his licence because of my mistake
Answers
Hi. My son was caught without insurance, and as yourself it was a mistake as we thought he was insured. They took his car, took his licence and will have 6 points when it comes back. It is an automatic revication of a licence if in the first 2years of having a licence, which means new test and everything. Hope things workout.
13:57 Sun 16th May 2010
caili23 I am always interested to read about insurance as you never know you might need that advice yourself one day. People have very kindly come back with advice for you and then you say you may have had a letter and perhaps threw it away then you start fluffing at some replies. I suggest you have all the facts straight before asking questions on here as there are a lot of people with very good knowledge of these things and if you are not prepared to have the full facts they can't help you.
Eddie's postings are not quite spot on.
He is completely correct about the “absolute” nature of the offence of No Insurance and you will be very hard pushed to achieve an acquittal should you or your boyfriend decide to plead not guilty. The circumstances you describe amount to mitigation only.
However, there are a couple of points that Eddie has made which are incorrect:
The “New Drivers” regulations state that a driver who attains 6 or more points within 2 years (not six months) of passing his first driving test reverts to provisional status. The court has no discretion over this as it is actioned by the DVLA. An ordinary test (not and extended test) is then required (both parts) to regain a full licence.
Finally there is no possibility of being sent to prison for the offence of No Insurance, regardless of how many times it is committed. The maximum penalty is a fine of £5,000 and an unlimited period of disqualification. The likely penalty for a first time offender is six points (the minimum available for the offence), a fine of about one and a half week’s net income (reduced by a third for an early guilty plea) plus a £15 Victim Surcharge and about £60 prosecution costs.
He is completely correct about the “absolute” nature of the offence of No Insurance and you will be very hard pushed to achieve an acquittal should you or your boyfriend decide to plead not guilty. The circumstances you describe amount to mitigation only.
However, there are a couple of points that Eddie has made which are incorrect:
The “New Drivers” regulations state that a driver who attains 6 or more points within 2 years (not six months) of passing his first driving test reverts to provisional status. The court has no discretion over this as it is actioned by the DVLA. An ordinary test (not and extended test) is then required (both parts) to regain a full licence.
Finally there is no possibility of being sent to prison for the offence of No Insurance, regardless of how many times it is committed. The maximum penalty is a fine of £5,000 and an unlimited period of disqualification. The likely penalty for a first time offender is six points (the minimum available for the offence), a fine of about one and a half week’s net income (reduced by a third for an early guilty plea) plus a £15 Victim Surcharge and about £60 prosecution costs.
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Hi. My son was caught without insurance, and as yourself it was a mistake as we thought he was insured. They took his car, took his licence and will have 6 points when it comes back. It is an automatic revication of a licence if in the first 2years of having a licence, which means new test and everything. Hope things workout.
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