ChatterBank0 min ago
driving without insurance
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For more on marking an answer as the "Best Answer", please visit our FAQ.Get them to write to you though confirming the time you called , they would presumably have this on their Computer systems.
As has been suggested, you should make every effort to obtain proof from your insurers that you were insured at the time you were stopped. If you are convicted you are unlikely to lose your licence entirely (i.e. be disqualified). However, as you know, your full bike licence will be revoked as the minimum number of points the magistrates will impose is six. You will have to revert to provisional licence status for having accumulated six points within two years of passing your test.
On another note, and more of a question from me, were you ever taught punctuation and grammar? Your original question contained about 150 words without a single punctuation mark of any description. This, coupled with the numerous abbreviations and spelling errors meant I had to read it three or four times before I could successfully interpret what you were asking! You will always get a better response if people can easily understand what you are asking them
prove to the court that the insurers said you were insured from the time of the phonecall and you will be fine. What were you stopped for? This may affect the result. If it was just a random check then I reckon you will have no problems. Police would rather have people that go about insuring thier car properly than many drivers who return from a car sale without insurance at all, and you would't have had the document at the time you were stopped so you had no way of knowing the insurers had made and error.
As for them not being able to backdate it, someone doesn't know what they're doing and can't be bothered with it. A the end of the day, if they made it clear to you (and you can show this) that at the time of the call, you werer insured, all liability rests with the insurer.
When you are convicted of a number of motoring offences which were committed at the same time you can be fined for each of them individually, but you only receive penalty points for the most serious. In your case this would be the No Insurance offence.
As you correctly assume, magistrates will impose a minimum of six points (but maybe more if they think fit) for that offence, but you will receive no additional points for driving otherwise than in accordance with your provisional licence (i.e. No L-Plates). The six (or more) points will not be split between the two offences but will be all for No Insurance. Your licence will be endorsed (but without penalty points) for the other offence.
Well, Wu Banger, I suppose you mean screw you on a "small detail" like not having taken out a policy of insurance before you drive a vehicle?
I'm surprised the person at the "pig" station accepted your policy instead of your certificate of insurance - policies generally do not provide sufficient detail (as you obviously know). I suppose the pig person was too busy with its nose in the trough to notice.
On a point of interest, buying a car is not something one usually does on the spur of the moment. So if you had "fully intended to insure it as soon as you got home", why did you not make those arrangements before you left? Or did getting pulled have something to do with it?