Just got myself 6 points and an IN10 :(

unlucky mate, i would be gutted.

A farmer near us didnt have his tractor insured and did a similar thing. Unfortunately he crashed in his 25 yards and caused a serious accident with no insurance.
 
Merlin or any other insurance bods, or people with knowledge/experience....

How painfull is the bumming going to be at renewal time? I'm guessing that this will ramp up my premium a fair bit... any figures from other people or percentages?
 
From the other half (former insurance bod) - 'That's going to hurt'. You're also probably required to notify your bike insurer and any other insurer who has you as a named driver as in the event of a claim they will get arsey.

While yes you were driving illegally it was highly unlucky to be caught over such a small distance but as said the ANPR would more than likley log the event and the officer would have a load of agro to explain why no action was taken.
 
Poppy said:
Just for the people who have posted so far in this thread telling the OP he was "unlucky" ... erm no he wasnt, he was illegal. Pretty sure they're not the same thing :rolleyes:
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:confused:

Nobody said they were the same thing. Yes, he was illegal, but he was also incredibly unlucky. The two aren't mutually exlusive.

To the OP: Harsh luck mate, I'm sure many of us would have done the same thing, I know I would.

Gutted for you mate :(
 
Dogbreath said:
No. Mentioning something as serious as firearms offences in this context qualifies you as a Sun journalist.
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the principle involved is the same, regardless of the difference in severity.
whether you choose to ignore it and be inflammatory or not.
 
The_Dark_Side said:
the principle involved is the same, regardless of the difference in severity.
whether you choose to ignore it and be inflammatory or not.
Click to expand...

I'm not trying to be inflamatory, just saying that comparing this to something as serious as firearms offences is ridiculous. People don't generaly fire weapons at other people unless they intend to maim or kill them. How many people who have an accident whilst driving without insurance actually intended to hurt someone?

You are saying that coppers don't have discretionary powers, when clearly they do. Perhaps a more relevant comparison is speeding. It's an absolute crime, and in the vast majrity of cases a victimless one. However if you get stopped for a relatively minor infringment then a copper can use his discretion to give you a warning rather than issue a ticket.

I certainly don't condone driving without insurance, I'm just trying to show why your logic is flawed in your comparison.
 
Dogbreath said:
I'm not trying to be inflamatory, just saying that comparing this to something as serious as firearms offences is ridiculous. People don't generaly fire weapons at other people unless they intend to maim or kill them. How many people who have an accident whilst driving without insurance actually intended to hurt someone?
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that much we agree on, but it's not the point i'm trying to get across.
it had previously been said that as the OP hadn't harmed anyone then he shouldn't have been charged.
my example was to illustrate that just because no actual harm had taken place, there had existed the possibility that an incident could've happened and that alone is enough to warrant charges.
Dogbreath said:
You are saying that coppers don't have discretionary powers, when clearly they do.
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not according to the officers i've spoken to in the last 24 hours.
with an offence such as speeding there is scope for discretion, but for no insurance there seems to be none at all...and you can understand why.
i have never heard of anyone being found not to have valid insurance and be let off with a warm ear. have you?
if you have not either then this does tend to support my statment that discretion in this offence simply is non-existant.
 
Dogbreath said:
You are saying that coppers don't have discretionary powers, when clearly they do.
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just an update to put this one to bed for the members that felt the cop involved could've been more understanding.
after a chat last night with a serving traffic officer with just over 25 years experience, i put the above situation to him to get the definitive response.
he replied by saying it's impossible to use any form of discretion with no insurance as if you were found to have none, and were just given a talking to before being allowed to carry on with your journey, it's entirely possible you could be involved in an accident and if so the officer who had let you off would be liable to be charged with aiding and abetting.
he also confirmed that he has NEVER heard of a motorist being found to have no insurance and be allowed to carry on with his journey.

it's a real PITA what happened to the OP, but unfortunately it seems that once fate had decided there was going to be a traffic car behind him, it was always going to be a foregone conclusion what happened next.

hope the IN10 doesn't knock your next premium into orbit mate.
 
As many here will know, last summer i got pulled driving the GF's car and no insurance, simular story.

My premium went up around 30% to £1200 on my old Escort :(

Does anyone know in the next couple of years if it lowers, as its longer since the date the IN10 was issued, or does it remain a simular percentage?
 
andy2k said:
Does anyone know in the next couple of years if it lowers, as its longer since the date the IN10 was issued, or does it remain a simular percentage?
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if you're gonna ask that question, then maybe it's worth asking the same thing RE drink driving too.
if the extra loading you receive for these offences the same right through until those offences are removed (ie over 5 years ago) or does the loading diminish from year one from the date of conviction?
 
Nothing unlucky about it.

>> Professional driver mode engaged <<

Your insurance status is clear - you have none - , yet you decided to take a short drive in which, thankfully, a copper pulled you and punished you for your crime. Bloody good job you did'nt get involved in some freaky accident isn't it? not just for you, but more, whoever has to try to claim from your missing insurers !!! :mad:

When you've been involved with an un-insured driver in an accident situation - which I have - then any sympathy for you quickly evaporates.

Next time ,now you've been "done", I hope you'll think twice.

Driving has rules & regulations for damn good reasons, driving is a previlage & not a right.

>> End Mode <<


Doh! as Homer would say mate. ;)
 
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