[NIP Wizard] No valid insurance |
[NIP Wizard] No valid insurance |
Sat, 9 Jun 2018 - 17:44
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Member 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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Lo-Fi Version | Time is now: Thursday, 28th March 2024 - 21:17 |