No insruance and stopped !
- Thread starter Swordfish
- Start date
Sounds like he was unlucky. The amount of people who are uninsured and get away with it is staggering.
IMO, if you are prepared to run the risk of driving illegally you should be prepared to take the punishment if you get caught.
IMO, if you are prepared to run the risk of driving illegally you should be prepared to take the punishment if you get caught.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Nope. It's unlikely they would go to the trouble of removing the motor, he'll probably lose the whole car.
I saw a similar situation on Road Wars not so long ago. Apparently its common for people to cancel the DD and hang onto the documents to try and fob off the police if they get stopped. But in the days of ANPR, I dont know why they think they can get away with it. On that episode, they just phoned the company who told the coppers he was uninsured and they dealt with him appropriately.
Edit - missed MrLOL saying exactly the same thing
The MIB database that they use is not reliable and is not suitable for the purpose to which it's being used these days. The MIB themselves stated (on Radio 4 last year) that it was only ever designed so you can tell if a car IS insured, not so you can tell if a car is uninsured.
It can take up to a week after taking out a policy for the MIB DB to get updated and the patrol cars keep a local copy which they sync up from time to time. It can easily be out of date and even if it's not insurance companies **** up all the time and don't update it, or put the wrong details on.
The police have come under a lot of criticism for this because innocent people have been getting their cars seized and are being forced to pay recovery and storage fees to get it back. This incident makes it sound like the police are being a bit more cautious now because at one time they were refusing to believe the paperwork if "computer says no" and seizing cars anyway.
The OPs mate may actually still be insured (3rd party only) because the insurance companies have a legal obligation to recover the certificate (or a sign statement saying that it's lost/destroyed) from their customer and can still be held liable for any claims. Some insurers have clauses that they'll continue to take payment until they get the paperwork back and all of them have clauses whereby they can hold you liable for the full amount they pay out if you generate a claim after cancelling.
Associate
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- 9 Nov 2007
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- 834
I hope they take the car and crush it ( though I doubt it ). Driving around with no insurance accidently is bad enough, but cancelling it deliberately..
He'll get a slapped wrist but a law abiding citizen would get 6 weeks at her majestys pleasure.
What a plum.
He'll get a slapped wrist but a law abiding citizen would get 6 weeks at her majestys pleasure.
What a plum.
Must been a long holiday that he was going to take if he thought cancelling the car insurance would make the savings worthwhile? I've just got back from a 2 week holiday and it never occurred to me to freeze/cancel the insurance on my cars.
Sorry if this sounds bitter but I have no sympathies. My wifes car was hit whilst parked and the driver drove off into the sunset, most probably didn't have insurance etc... Ended up costing me a packet in paying the excess and increased insurance premiums for both our cars over the next few years.
Sorry if this sounds bitter but I have no sympathies. My wifes car was hit whilst parked and the driver drove off into the sunset, most probably didn't have insurance etc... Ended up costing me a packet in paying the excess and increased insurance premiums for both our cars over the next few years.
Associate
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- 8 Nov 2006
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- 1,439
You would be surprised what you can get away with.
7 years ago I had let my MOT go a month out of date and as luck would have it I got a producer one night. I went to the station and produced my doc's includeing the out of date MOT, the officer wrote down a load of numbers/details and sent me on my way. Never heard any more about it.
7 years ago I had let my MOT go a month out of date and as luck would have it I got a producer one night. I went to the station and produced my doc's includeing the out of date MOT, the officer wrote down a load of numbers/details and sent me on my way. Never heard any more about it.
Yeah, but an out of date MOT isn't much when compared to no insurance. From what I can remember, it's the difference between a £60 fine for the MOT or 6 points and a massive fine for the lack of insurance.
That being said, I think the OP's friend will get away with it. If the copper was suspicious enough to follow this up the next day at work, he would have made the OP's friend life a living hell then and there, seized the car and all that Jazz.
Tell him that he's been a silly boy, to get an insurer policy today and never do such a retarded thing ever again
He did not freeze, just cancelled it. Have spoke with a few other of our mates and apparently he used to do it all the time, which explains why he has no NCB despite driving for around 18 years.
Associate
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- 15 Nov 2008
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- 115
A friend of mine just been caught driving without insurance. He though he was covered to drive another car due to being fully comp, he got pulled and was given 6 points and £300 fine he now getting insurance quote in the range of £1200 for the car he was driving.
There's a computer somewhere that know if a given car is insured.
There's another computer somewhere that knows the registered keeper of a given car.
Can't all these cameras along our roads just automatically pick out the uninsured drivers the same way they pick out speeding drivers?
There's another computer somewhere that knows the registered keeper of a given car.
Can't all these cameras along our roads just automatically pick out the uninsured drivers the same way they pick out speeding drivers?
That's exactly what ANPR does. In my previous post I pointed out some of the flaws in the system.
I haven't even touched on the deeper flaws, for example in the UK it is the /driver/ who is insured, not the car. People with trade policies are covered to drive any car, even one that does not have an individual policy attached, yet these flag as uninsured and result in a pull, likewise my next door neighbour is not insured to drive my car but if he did the car would flag up as insured and not get a pull.
I haven't even touched on the deeper flaws, for example in the UK it is the /driver/ who is insured, not the car. People with trade policies are covered to drive any car, even one that does not have an individual policy attached, yet these flag as uninsured and result in a pull, likewise my next door neighbour is not insured to drive my car but if he did the car would flag up as insured and not get a pull.