When can i apply for my license?

[tamboi]

I lost my license for 18mnth with a £500 fine for driving without insurance. The problem was, i had stupidly agreed with my girlfriends (now ex) brother to insure my car, me being a named driver as it was going to cost too much for me to insure it in my own name as I was only 20 and the car was quite fast and modified. The problem was every month i was paying him to insure it, he was pocketing the money and had given me a insurance policy that he paid the first month of then never again for a further 3mnths. I had no reason to think he would do this as he was my girlfriends brother and i stupidly trusted him. I got stopped by the police and they did all the usual checks and came back un-insured, they towed my car and it was in a compound for 11mnth. I am due to get my license back in april but i am unsure about how to apply if i even need to. I will have 6 points on my license also, do i need to tell the DVLA this or will they know? Can anyone help as i am really unsure what to do...

Thanks

much appreciated

[FrankGalvin]

I sympathise. Insurance costs for young drivers is spectacularly high and I did pretty much what you did when I was a teenager. However after being 'rear-ended' my solicitor advised me that I was committing fraud and that I should arrange my own insurance. I did, and umpteen years later (and with very cheap insurance costs) I have never regretted that advice.

Talk to DVLA. For a government department they are terrific to deal with and have excellent customer service advisors. They will in all likelihood know you have penalty points. Furthermore, even if they don't (but you, of course, do), you have a 'fiduciary duty' (a duty of good faith) towards your insurers.

In the event of an accident you could find yourself in some real serious trouble if the insurer finds out that you have been economic with the truth. The least of your worries would be that the insurance company would refuse to meet any claim you made against the policy. But you could also be charged again with having no insurance, fraud, and you can forget about finding a company who will insure you again.

Don't take shortcuts to circumvent or avoid doing the right thing. It will work out best for you (as it did for me) in the longer term.