Road rules3 mins ago
Vehicle Insurance – A Question For New Judge
As a magistrate, what is your verdict in my hypothetical case outlined below?
Appearing before you, I have been charged with driving without insurance.
The facts are as follows; I renewed my annual vehicle insurance (by phone) with my current provider and received confirmation that the policy had been renewed by e-mail – with the insurance premium paid by credit card, with the payment going through at the time of the phone call.
A few weeks later I was stopped by the police, charged with driving without insurance and the vehicle impounded.
Unbeknown to me, my insurance company had made a mistake in the premium payable for my insurance cover – and wanted an additional £150, otherwise they would cancel the policy.
My insurance company had sent me an e-mail outlining the above, saying that they had made a mistake in the premium payable and that if the additional amount was not paid within 7 days they would cancel the policy. Unfortunately the e-mail ended up in my junk folder and I did not see it.
So despite having paid the agreed insurance premium, my insurance company unilaterally voided the cover, due to a mistake they made.
In the above scenario would I be found guilty of driving without insurance, having no knowledge of the insurance I arranged and paid for, being cancelled due to a mistake made by the insurance company?
Appearing before you, I have been charged with driving without insurance.
The facts are as follows; I renewed my annual vehicle insurance (by phone) with my current provider and received confirmation that the policy had been renewed by e-mail – with the insurance premium paid by credit card, with the payment going through at the time of the phone call.
A few weeks later I was stopped by the police, charged with driving without insurance and the vehicle impounded.
Unbeknown to me, my insurance company had made a mistake in the premium payable for my insurance cover – and wanted an additional £150, otherwise they would cancel the policy.
My insurance company had sent me an e-mail outlining the above, saying that they had made a mistake in the premium payable and that if the additional amount was not paid within 7 days they would cancel the policy. Unfortunately the e-mail ended up in my junk folder and I did not see it.
So despite having paid the agreed insurance premium, my insurance company unilaterally voided the cover, due to a mistake they made.
In the above scenario would I be found guilty of driving without insurance, having no knowledge of the insurance I arranged and paid for, being cancelled due to a mistake made by the insurance company?
Answers
Best Answer
No best answer has yet been selected by Hymie. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.
Related Questions
Sorry, we can't find any related questions. Try using the search bar at the top of the page to search for some keywords, or choose a topic and submit your own question.