Being stopped for no car insurance

[Cazzzarella]

My son was stopped by police using an ANPR cam as he was using a car he bought off someone about two months ago but he hasnt received the log book from DVLA yet. He has been waiting to get the log book so he can sell it, but needed to drive it last week to get to work as the newer car he bought had a problem with the gearbox the day after he bought it. He was given a form to produce his docs at the local police station which he did today, ( he purchased a day insurance from Norwich Union ) but on producing the police took his license and told him he has to go to court. This doesnt seem right to me as he went to the trouble of getting insured for one day as the car he bought last weekend that he is fully covered for went off the road the day after he bought it with a gearbox problem. He only wanted to use the other car for a day to get to work. Why does he have to go to court when he produced his insurance document ?

[cazzz1975]

sorry to stop by with no advice but..liking your name :D

[Jillius]

I would have thought his insurance for his new car would have covered him driving his old one.

[bednobs]

did he have insurance in place before he drove the car for the day? - your post is a little confusing.

Are you saying his regular car was off the road, so he got insurance on the car he was stopped in, or are you saying he was stopped and then got insurance?

[bednobs]

jillius, car insurance is usually car specific - otherwise whats to stop someone insuring and old banger then driving a rolls royce on the insurance?

[Fay Mousse]

The insurance for the new car would not cover this car unless it is specified on the policy.

When did he purchase the day insurance? Did it cover the date and time he was stopped?

If not, he is rightfully being prosecuted for driving without insurance.

If it did, he was insured and will be found not guilty.

[bednobs]

also, why didn't the seller give him the logbook when he bought the car?

[y-cymro]

If he'd got the insurance before setting off that day - then he should be ok, as long as the insurance company will show that he was covered to drive that car at the time and date he was stopped.

Vety often, people get insurance after they've been stopped, and the insurance cover-note would have the time and date that it was issued on it.

If he rang to get cover after being stopped, then he would not have been covered for the time he was stopped

[Cazzzarella]

Before he bought the car it had a private plate so he was waiting for the dvla to register it in his name ( the trader said he sent the new keeper supplement off to dvla but we now have our doubts that he did ) but this shouldnt be relevant because he was stopped for no insurance - but he should have been insured because he purchased a one day insurance which was in place when he was stopped. I think its ridiculous that he has to go to court to prove he was insured even though he produced his docs at the police station and they could have easily phoned norwich union to check he was insured - this must be costing a fortune taking all these innocent people to court !!!

[factor-fiction]

I find our posting confusing. Is the story about the log book relevant? Is the problem with the other car's gearbox relevant? Is the issue really just about the insurance?

Did his one day policy clearly state that it covered the car he was driving when stopped? IAnd did it clearly show it was taken out before he was stopped. If so I'm puzzled by the police action

On the day he was stopped did he also have insurance for the car with the gearbox problem- and did that cover him to drive any other vehicles as some policies allow that.

[Barmaid]

When your son gets the documents through for the Court date, make sure that he takes all HIS documents with him to court (ie Driving licence, insurance certificate, MOT etc). Nothing worse than trying to defend a case without the docs. On the first hearing (there may well be a couple before trial) it may be worth showing these to the prosecutor (take copies to hand to him) to see if CPS will drop the case on the basis he was insured. Often the CPS will complete a form and send the form and the docs to the nearest police station for them to "OK" withdrawal of the proceedings.

[Info Bank]

Can i Ask if ...The Insured the Car Which had private plates on it at the time..... as the previouse owner may have removed the rights for that plate on the car anymore???.

Aslo Buying a car without the appropriate paperwork Is a mad thing to be doing in this day and age..

There are so many Connmen outhtere ( Not only Men).

I have mates who maintain there private plates and never sell there car before the new plates have been confirmed and put onto the cars they sell.