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[NIP Wizard] No valid insurance
coke_zero
post Sat, 9 Jun 2018 - 17:44
Post #1


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Group: Members
Posts: 16
Joined: 9 Jun 2018
Member No.: 98,347



NIP Details and Circumstances
What is the name of the Constabulary? - Met police
Date of the offence: - 17/1/18
Date of the NIP: - 17/1/18
Date you received the NIP: Verbally
Location of offence (exact location as it appears on the NIP: important): - Swandon way SW11
Was the NIP addressed to you? - Yes
Was the NIP sent by first class post, second class or recorded delivery? - Yes
If your are not the Registered Keeper, what is your relationship to the vehicle? - Brother of the registered keeper
How many current points do you have? - 9
Provide a description of events (if you know what happened) telling us as much about the incident as possible - some things that may seem trivial to you may be important, so don't leave anything out. Please do not post personal details for obvious reasons -

Was driving home in my sisters car from doing some shopping - went to refill fuel at petrol station and there was a marked police car sitting there. After I paid, I was approached by the police car and asked who the car belonged to as it's registered to a female. Told them it was my sisters car and they did their checks. They came back and said I am not insured on her policy which, I am not. I have my own insurance policy on my own car and I was not aware that I was not allowed to drive other vehicles. I confirmed with the insurance company over the phone when I took the policy out that I'd be able to drive other vehicles and I was told I would be able to. My mistake but I never actually checked the policy documents as they were never posted to me but were all available online. Had a long conversation with the officers explaining the entire situation to them. They told me the car would be impounded but my sister was on her way home and asked the officers over the phone if she could come to collect the car to avoid it being impounded. They were very reluctant at first but eventually had another call to attend to so left me there with the car to wait for my sister - then told me they'd check that I didn't end up driving it again lol.

I know I probably don't have much luck and my only option would be to take the points but since I already have 9 points this will mean an automatic totting up ban. Would it be worth going to court (perhaps with a motoring solicitor) to argue the case that I was under the impression that I was insured or perhaps ask for a lesser ban like 2 weeks rather than the 6 months.

I'm responsible for taking my mother to her hospital appointments since she's of elderly age and not in the greatest of conditions so it would be a major inconvenience to our lives as I'd have to accompany her by public transport or pay for a cab to take her there and back a few times a week.

Input would be greatly appreciated.

NIP Wizard Responses
These were the responses used by the Wizard to arrive at its recommendation:
Have you received a NIP? - Yes
Are you the Registered Keeper of the vehicle concerned (is your name and address on the V5/V5C)? - No
Is the NIP addressed to you personally? - Yes
Although you are not the Registered Keeper, were you the keeper of the vehicle concerned (the person normally responsible for it) at the time of the alleged offence? - Yes
Were you driving? - Yes
Which country did the alleged offence take place in? - England
- Yes

NIP Wizard Recommendation
Based on these responses the Wizard suggested that this course of action should be considered:

Generated by the PePiPoo NIP Wizard v3.3.2: Sat, 09 Jun 2018 17:44:27 +0000

This post has been edited by coke_zero: Sat, 9 Jun 2018 - 17:55
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Posts in this topic
- coke_zero   [NIP Wizard] No valid insurance   Sat, 9 Jun 2018 - 17:44
- - cp8759   QUOTE (coke_zero @ Sat, 9 Jun 2018 - 18...   Sat, 9 Jun 2018 - 18:17
|- - coke_zero   QUOTE (cp8759 @ Sat, 9 Jun 2018 - 18...   Sat, 9 Jun 2018 - 18:59
|- - rosturra   QUOTE (coke_zero @ Sat, 9 Jun 2018 - 18...   Wed, 27 Jun 2018 - 09:19
- - Jlc   In terms of any totting ban, if it goes that far, ...   Sat, 9 Jun 2018 - 18:46
- - Slapdash   It may be worth, now, requesting a transcript of t...   Sat, 9 Jun 2018 - 18:59
- - Jlc   If this happened in January then you should have b...   Sat, 9 Jun 2018 - 19:10
- - coke_zero   Yes, I know I should have been more proactive but ...   Sat, 9 Jun 2018 - 19:15
- - Slapdash   They should have the recordings. But yes it may ta...   Sat, 9 Jun 2018 - 19:19
- - cp8759   The retention period for this sort of thing tends ...   Sat, 9 Jun 2018 - 22:06
- - notmeatloaf   Was the pull by the police within the twelve month...   Sat, 9 Jun 2018 - 23:20
|- - coke_zero   QUOTE (notmeatloaf @ Sat, 9 Jun 2018 - 2...   Sun, 10 Jun 2018 - 00:24
||- - cp8759   QUOTE (coke_zero @ Sun, 10 Jun 2018 - 01...   Sun, 10 Jun 2018 - 09:42
|- - Churchmouse   QUOTE (notmeatloaf @ Sun, 10 Jun 2018 - ...   Sun, 10 Jun 2018 - 11:39
|- - notmeatloaf   QUOTE (Churchmouse @ Sun, 10 Jun 2018 - ...   Sun, 10 Jun 2018 - 16:26
|- - Churchmouse   QUOTE (notmeatloaf @ Sun, 10 Jun 2018 - ...   Sun, 10 Jun 2018 - 21:57
- - ford poplar   Not if the Insurer will not confirm they are prepa...   Sun, 10 Jun 2018 - 01:44
|- - coke_zero   QUOTE (ford poplar @ Sun, 10 Jun 2018 - ...   Sun, 10 Jun 2018 - 02:27
- - The Rookie   Well you need to start a formal complaint ASAFP wi...   Sun, 10 Jun 2018 - 05:30
- - coke_zero   QUOTE (The Rookie @ Sun, 10 Jun 2018 - 0...   Sun, 10 Jun 2018 - 17:23
|- - cp8759   QUOTE (coke_zero @ Sun, 10 Jun 2018 - 18...   Sun, 10 Jun 2018 - 21:56
- - Redivi   I remember reading a newspaper survey (think it wa...   Sun, 10 Jun 2018 - 17:24
|- - coke_zero   QUOTE (Redivi @ Sun, 10 Jun 2018 - 17...   Sun, 10 Jun 2018 - 17:41
- - Tartarus   While yes the renewal is a separate policy, you do...   Mon, 11 Jun 2018 - 08:21
|- - cp8759   QUOTE (Tartarus @ Mon, 11 Jun 2018 - 09...   Mon, 11 Jun 2018 - 13:20
- - coke_zero   Alright so I've made an inquiry with my insura...   Mon, 11 Jun 2018 - 18:03
- - Jlc   The idea behind pleading not guilty is to delay ma...   Mon, 11 Jun 2018 - 18:14
|- - coke_zero   QUOTE (Jlc @ Mon, 11 Jun 2018 - 18:1...   Mon, 11 Jun 2018 - 19:16
- - coke_zero   Hey guys, so I'm still waiting on a reply from...   Tue, 12 Jun 2018 - 16:13
- - Jlc   You are being daft. DOV would need to be explicit...   Tue, 12 Jun 2018 - 16:25
- - coke_zero   Ah okay. I wasn't aware that it had to be stat...   Tue, 12 Jun 2018 - 16:39
- - Jlc   You need that audio recording...   Tue, 12 Jun 2018 - 17:24
|- - cp8759   QUOTE (Jlc @ Tue, 12 Jun 2018 - 18:2...   Tue, 12 Jun 2018 - 20:38
- - panther12   I see the words XS Direct which I've read alot...   Sat, 16 Jun 2018 - 13:13
|- - cp8759   QUOTE (panther12 @ Sat, 16 Jun 2018 - 14...   Sat, 16 Jun 2018 - 15:51
|- - dacouc   QUOTE (cp8759 @ Sat, 16 Jun 2018 - 16...   Sat, 16 Jun 2018 - 18:17
||- - cp8759   QUOTE (dacouc @ Sat, 16 Jun 2018 - 19...   Sat, 16 Jun 2018 - 19:20
|- - panther12   QUOTE (cp8759 @ Sat, 16 Jun 2018 - 16...   Sun, 17 Jun 2018 - 15:42
|- - BaggieBoy   QUOTE (panther12 @ Sun, 17 Jun 2018 - 16...   Sun, 17 Jun 2018 - 16:57
|- - panther12   QUOTE (BaggieBoy @ Sun, 17 Jun 2018 - 17...   Sun, 17 Jun 2018 - 17:15
|- - dacouc   QUOTE (panther12 @ Sun, 17 Jun 2018 - 18...   Sun, 17 Jun 2018 - 17:20
|- - panther12   QUOTE (dacouc @ Sun, 17 Jun 2018 - 18...   Sun, 17 Jun 2018 - 17:41
- - Incandescent   Looking at this I had a quick look at my certifica...   Sat, 16 Jun 2018 - 21:13
- - BaggieBoy   I'd never heard of that type of excess, I must...   Sun, 17 Jun 2018 - 18:12
- - coke_zero   Yeah the excess situation is very stupid. But due ...   Sun, 17 Jun 2018 - 21:10
- - southpaw82   What do you want to plead not guilty for?   Sun, 17 Jun 2018 - 21:31
- - panther12   If the initial call recording exists I'd say y...   Mon, 18 Jun 2018 - 11:52
|- - TheDisapprovingBrit   QUOTE (panther12 @ Mon, 18 Jun 2018 - 12...   Tue, 19 Jun 2018 - 15:24
|- - Jlc   QUOTE (TheDisapprovingBrit @ Tue, 19 Jun 2018...   Tue, 19 Jun 2018 - 15:31
||- - panther12   QUOTE (Jlc @ Tue, 19 Jun 2018 - 16:3...   Tue, 19 Jun 2018 - 17:30
||- - Logician   QUOTE (Jlc @ Tue, 19 Jun 2018 - 16:3...   Tue, 19 Jun 2018 - 18:24
|- - cp8759   QUOTE (TheDisapprovingBrit @ Tue, 19 Jun 2018...   Wed, 20 Jun 2018 - 12:42
- - flexeh   This post made me double check with my insurance c...   Mon, 18 Jun 2018 - 12:35
- - Jlc   True, but for an absolute offence I can only sugge...   Tue, 19 Jun 2018 - 18:45
- - coke_zero   I still have not received any sort of communicatio...   Mon, 25 Jun 2018 - 21:43
|- - cp8759   QUOTE (coke_zero @ Mon, 25 Jun 2018 - 22...   Mon, 25 Jun 2018 - 23:45
|- - coke_zero   QUOTE (cp8759 @ Tue, 26 Jun 2018 - 00...   Tue, 26 Jun 2018 - 00:14
|- - cp8759   QUOTE (coke_zero @ Tue, 26 Jun 2018 - 01...   Tue, 26 Jun 2018 - 00:33
|- - coke_zero   QUOTE (cp8759 @ Tue, 26 Jun 2018 - 01...   Tue, 26 Jun 2018 - 06:55
- - disgrunt   Surely you want to plead not guilty and, if possib...   Tue, 26 Jun 2018 - 07:53
- - cp8759   You have to make a choice, to either fight the cri...   Tue, 26 Jun 2018 - 10:43
- - The Rookie   The other issue in my mind is that a court may not...   Tue, 26 Jun 2018 - 11:03
|- - cp8759   QUOTE (The Rookie @ Tue, 26 Jun 2018 - 1...   Tue, 26 Jun 2018 - 12:13
- - NewJudge   QUOTE (cp8759 @ Tue, 26 Jun 2018 - 13...   Tue, 26 Jun 2018 - 13:38
- - dacouc   Did you arrange the policy direct with XS direct o...   Tue, 26 Jun 2018 - 17:43
- - coke_zero   Yeah, I know I should not have left it for 6 month...   Wed, 27 Jun 2018 - 00:08
- - The Rookie   I think that’s you stuffed then, the conversatio...   Wed, 27 Jun 2018 - 06:01
- - disgrunt   Is it worth the OP pleading guilty and asking for ...   Wed, 27 Jun 2018 - 10:12
- - NewJudge   QUOTE (disgrunt @ Wed, 27 Jun 2018 - 11...   Wed, 27 Jun 2018 - 11:04
- - notmeatloaf   The issue for me isn't that he got a quote fro...   Wed, 27 Jun 2018 - 12:31
|- - cp8759   QUOTE (notmeatloaf @ Wed, 27 Jun 2018 - ...   Wed, 27 Jun 2018 - 15:17
|- - notmeatloaf   QUOTE (cp8759 @ Wed, 27 Jun 2018 - 16...   Wed, 27 Jun 2018 - 20:38
|- - Churchmouse   QUOTE (notmeatloaf @ Wed, 27 Jun 2018 - ...   Thu, 28 Jun 2018 - 00:23
- - disgrunt   Agree, it’s not looking good for the OP but a lo...   Wed, 27 Jun 2018 - 12:49
- - NewJudge   QUOTE (cp8759 @ Wed, 27 Jun 2018 - 16...   Wed, 27 Jun 2018 - 17:00


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