6 Points, No insurance!
- Thread starter andy2k
- Start date
Soldato
- Joined
- 17 Nov 2005
- Posts
- 3,121
- Location
- Chippenham, UK
[TW]Fox said:
I'm agreeing with Mr Fox all the way.
If this incident was in Swindon and you had hit my Vauxhall Corsa SXI 1.7 dti without insurance, do you think you'd have the change in your pockets to pay for the damages?..
well probably, but that's not the point.You broke the law. If you are ever hit by an unisured driver, let us know how it pans out.
Soldato
- Joined
- 23 Oct 2002
- Posts
- 2,562
- Location
- Edinburgh/Southampton
!bluetonic! said:I'm agreeing with Mr Fox all the way.
If this incident was in Swindon and you had hit my Vauxhall Corsa SXI 1.7 dti without insurance, do you think you'd have the change in your pockets to pay for the damages?..
You broke the law. If you are ever hit by an unisured driver, let us know how it pans out.
The thing is, having been hit by uninsured drivers, usually to avoid run-ins with the law they simply lie and say someone else (who was insured) was driving. Having been hit by a bald 40 year old man the insurance company sent through details saying Mrs blah blah was driving at the time. I spoke to a solicitor who said to just ignore it and let the claim go through, otherwise we risked losing our no-claims.
stoofa said:
The owner of the vehicle in my friends case was in the vehice. Basically, an accident occured which was actually non fault. My friend was driving his girlfriends car (with her in it) when the accident occured. The road was closed, police called, all parties were ok.
Police gave a producer to my friend. He wne to show his documents at station, she said, your not insured to drive this car, he went "what", matter esculated. He got done, nothing happened to girlfriend (owner of car).
I'm very sure, there is no legal requirement for the owner to check a drivers claim that they have DOC, therefore, in most cases, I guess it is likely the owner of the car will not be prosecuted.
Last edited:
stoofa said:
The Police told her she would get 6 points, She's in her late 30's and never had points in her life. She isn't even really that bothered about this.
It's my license and my job we are worried about.
I would rather pay like a large fine and have a 14 day ban, or even 5 points.
I really hope they do not take my lisence, as i was unaware i was commiting an offence, and its my first in my whole life. Just the waiting i don't like. And keeping it from my mum!
Associate
- Joined
- 15 Dec 2005
- Posts
- 2,403
It seems a bit harsh. Ok, you were breaking the law and need to be punished. But making you lose your new job over it is stupid IMO, what you going to do now? Start claiming the dole? If the judge is sensible, he'll see that you' re not a repeat offender and he'll give you 5points to allow you to keep your job...but then again...
EDIT: just read that it's only 6 miles to your work. Get on your bike!
EDIT: just read that it's only 6 miles to your work. Get on your bike!
Samtheman1k said:
I really hope this, its a job i've wanted for years in the Honda Production Factory in Swindon. A really good job, got a phone call today to tell me i was in, then i get all this rubish. It's a very respectable job which im sure i'll enjoy.
andy2k said:I did the same thing, and she is my girlfriend
What exactly happened in this case then?
It was never even mentioned. Not by the police or anyone. He went to court, they banned him for 21 days, and fined him £35. Nothing happened to his girlfriend. She had been feeling really poorly. For her to drive would have been madness and most likely cause an accident. She gave him permission to drive, both of them blisfully unaware that in actual fact he did not have DOC. his policy had no exclusion to say he could or could not drive another car. He was however, 25 and had had DOC with his previous years insurer. Through a broker, they changed his insurance company (sabre or something) and the policy did not continue like for like.
Hope that hjelps
Fortunatel, he was due to go to France for the duration of the ban on holiday. He is perfectly entitled to drive his car over there and be covered by his insurance regardless of a UK ban. Suffice to say, they both made sure they had DOC after that
Last edited:
Associate
- Joined
- 15 Dec 2005
- Posts
- 2,403
laissez-faire said:
And what if you cause a 10 car pile up on the motorway (including a few lorries and smashing a bridge), paralysing a few people, all who thus require millions to support them for the rest of their lives?
Can't think of many people who could afford to pay that out of their bank balance...
andy2k said:
July 2004, went to court November 2004. May have changed, but I really don't think so. If your GF gets a summons then she gets a summons. Seems kinda harsh though.
Also, as a side note. He had to pay no money towards the other party and their car was written off! I think they must have gone through uninsured losses. His GFs car however was not covered, and it was pointless trying to claim through the other parties insurance, even though it was here fault. He paid the £3k damage to his GFs car.
Last edited:
Fensta said:
I know what you mean. She would hate court.
When i go, i will explain i thought i was covered, and that she was unfit to drive etc. She doesnt need to go with me no?
I want to keep her out of it, i told the officer its 100% my fault, and that i will take all of it, as i don't want her involved.
EDIT: on the last page someone was fined over a grand, and your mate 35 quid. Its all so strange.
Cheers for the reply mate.
Fensta said:
They interviewed her in the car, took her details etc. Told her she would get 6 points. She was unwell like i said and just agreeded with them. And she was worried about me as i'd been in their car for nearly an hour.
She doesnt really mind the points, just no court for her, and i'd feel i had to pay her fines if any.
Chances are then that she'll get summoned too. This is not a criminal offence so it will just be her and 5/6 other people in the court room. I suggest if she does get a summons that you request to be dealt with together (saves any potential court fees that you may be fined) and you definately pay for a sols. That way you can go through everything with the sols and he will present it to the court in a manner that you will not recognise.
Best £200 my friend ever spent.
Hope it goes ok, let me know if you have anymore questions.
Please note though, as has been said, I cannot guarantee that it will follow this path, its just that your circumstances are extrrememly similar to that of my mates, however his was a year or two ago now. It also depends how the magistrates are felling on the day (its a decision of 3), so all the best with it.
out of interest. how did they find out at the time that you werent insured?
Best £200 my friend ever spent.
Hope it goes ok, let me know if you have anymore questions.
Please note though, as has been said, I cannot guarantee that it will follow this path, its just that your circumstances are extrrememly similar to that of my mates, however his was a year or two ago now. It also depends how the magistrates are felling on the day (its a decision of 3), so all the best with it.
out of interest. how did they find out at the time that you werent insured?
She is likley to get points for allowing an uninsured driver to drive her car, i thought it was 6 for you and 3 for her but that's from memory and quite possibly wrong. It's a hard lesson to learn but you've worked it out ....DOC & GAP are two of the most important things to check on your policy though GAP is only a major pita if it's on finance.
They tend to use a slideing scale rule for fines/points, more points = lower fine, lots of ££ = less points. Depending on the nature of your employment you may be given consideration but 6 miles is something i'd not mention in court. I know of one driver with 16 points who is still legally insured and driving due to an amazingly understanding judge.
I have DOC on my policy but the other half doesn't on her's but we are both named drivers on each other's policy, on the bikes she's solo and i've got any other veichle I hold a valid licence and have the appropriate owners permission excluding for hire, reward or personal gain apparently ?! I don't want to find out if that includes car's though!
They tend to use a slideing scale rule for fines/points, more points = lower fine, lots of ££ = less points. Depending on the nature of your employment you may be given consideration but 6 miles is something i'd not mention in court. I know of one driver with 16 points who is still legally insured and driving due to an amazingly understanding judge.
I have DOC on my policy but the other half doesn't on her's but we are both named drivers on each other's policy, on the bikes she's solo and i've got any other veichle I hold a valid licence and have the appropriate owners permission excluding for hire, reward or personal gain apparently ?! I don't want to find out if that includes car's though!
Last edited:
