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No insurance on new vehicle
Jackson2004
post Mon, 8 Oct 2018 - 22:04
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I'd first like to add that I am well aware how stupid it was to drive without insurance. I don't expect sympathy, but constructive input would be appreciated. I was so caught in the moment that I didn't realise how much of a mistake I was making or consider the ramifications that it would potentially have on myself or others.

I am a new driver who has had a license for a little over a year and I have just been caught driving without insurance.

The clutch went on my fully insured car and I had job interviews lined up. Not having a car already made me late for one interviw and I had to postpone another. Finding the time to fit the interviews in was also a nightmare I am already working for a fixed term ending in December. I was in the short running for one particular interview having already pasted a technical interview, and a previous interview in person and started to negotiate my salary. It put a lot of pressure on me to ensure I could get to the interview the following week. These interviews where over an hour away in remote locations difficult to get to by public transport and I had been unable to get more than half a day off work.

I had also cracked at the pressure one adviser put me under to get to interviews and had to write a stringy worded email saying I wasn't happy with how much pressure I was being put under and that I couldn't deal with the pressure that both the agent was putting me under to attend and the pressure my company was putting me under not to take days off.

I found a car online that was my only car in budget, and only in budget after haggling the price down if I was to buy on the day. I contacted my insurer to change my policy over but with it being Sunday they were closed. I then filled out an online application to change my details but it said that it needed to be manually reviewed and someone would be in contact. Not getting anywhere and desperate for a car I made the stupid mistake of going to collect it uninsured with intention of insuring it the next day.

Within less than a minute of purchasing the vehicle I got pulled up as it had a bad Break light that I missed when going over it. As I wasn't insured the car was siezed and now I'm facing penalty points and license revocation.

I understand that the only thing I might be able to do is convince a judge to be linient and give me a short ban in place of points. That it goes against guidelines and in all probability will result In more points and greater fines. But to buy the cars, get through my first test and maintenance has already put me in considerable debt if I were to loose my license I doubt I will be In a financial position to drive again for years which will significantly limit potential job oppetunities. This mistake has has already cost me into the thousands without having to redo everything and start from square 1.

Given the alternative it might be my only hope. Does anyone have any advice or had success with convincing a magistrate to impose such a sentence in leu of points.
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post Mon, 8 Oct 2018 - 22:04
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peterguk
post Mon, 8 Oct 2018 - 23:15
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QUOTE (Jackson2004 @ Mon, 8 Oct 2018 - 23:04) *
Does anyone have any advice or had success with convincing a magistrate to impose such a sentence in leu of points.


The penalty is 6 points. This can't be exchanged by the court for a short ban.

This post has been edited by peterguk: Mon, 8 Oct 2018 - 23:16


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Logician
post Tue, 9 Oct 2018 - 00:26
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You could be disqualified instead of being given points but I doubt you would find a magistrate in the land who would do that, your offence does not reach that level of seriousness and, as you know, there is a specific guideline not to disqualify to avoid revocation. You have to resign yourself to having your licence revoked, but you can re-take your tests as soon as you can get a booking. Even after getting the points you can continue driving until the DVLA notifies you of the revocation. Note that this is an administrative action, the magistrates' court is not involved and has no power to stop it. I am afraid that another effect is going to be a hike in your insurance premiums as a result of this endorsement, which insurers do not like.


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The Rookie
post Tue, 9 Oct 2018 - 05:29
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Daily insurance is often less than £30, that’s going to be a costly oversite, insurance will typically be close to double in the first year after an IN10 endorsement. As mentioned above there is now very little you can do but to ride this out.

This post has been edited by The Rookie: Tue, 9 Oct 2018 - 05:32


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Slapdash
post Tue, 9 Oct 2018 - 06:31
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As a new driver if you get 6 points your license will be revoked until you pass another test. You can apply straight away.

There is no discretion in this.

Have you spoken to yoir insurers?

There is a very small possibility that they will agree you would have been covered under the circumstances. Very doubtful given your description of their action. But given what is at stake a discussion with them is probably sensible.

It is not clear whether you submitted the form to your insurers or your insurance broker should you use one.
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southpaw82
post Tue, 9 Oct 2018 - 08:11
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QUOTE (peterguk @ Tue, 9 Oct 2018 - 00:15) *
QUOTE (Jackson2004 @ Mon, 8 Oct 2018 - 23:04) *
Does anyone have any advice or had success with convincing a magistrate to impose such a sentence in leu of points.


The penalty is 6 points. This can't be exchanged by the court for a short ban.

The penalty is 6 - 8 points (RTOA Sch 2). The court has a discretion to disqualify - s 34(2) RTOA. However, a court is unlikely to do so in the circumstances.


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Any comments made do not constitute legal advice and should not be relied upon. No lawyer/client relationship should be assumed nor should any duty of care be owed.
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peterguk
post Tue, 9 Oct 2018 - 08:59
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QUOTE (southpaw82 @ Tue, 9 Oct 2018 - 09:11) *
QUOTE (peterguk @ Tue, 9 Oct 2018 - 00:15) *
QUOTE (Jackson2004 @ Mon, 8 Oct 2018 - 23:04) *
Does anyone have any advice or had success with convincing a magistrate to impose such a sentence in leu of points.


The penalty is 6 points. This can't be exchanged by the court for a short ban.

The penalty is 6 - 8 points (RTOA Sch 2). The court has a discretion to disqualify - s 34(2) RTOA. However, a court is unlikely to do so in the circumstances.

Thanks



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