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Stopped by traffic - no insurance (I'm a trader) they didn't have the paper to give me 7 days to produce...
dddddd
post Sun, 10 Nov 2019 - 21:05
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So today I got stopped by the pod.

I'm a car trader, I buy and sell and do up cars, picked a car up from auction, got stopped by the traffic pod as car wasn't on the MID

Told them I was a trader etc - they asked me to show them my traders I logged in and couldn't get my certificate they said they would give me the benefit of the doubt... They've taken all my details and told me they would come round and see me if theirs an issue.

I asked about the 7 days to produce and she said "yes that's what I want to give you but I don't have any forms on me"

Now I've got home I've found out my traders is out of date by 2 days, so I'm going to call my broker tomorrow and renew it...

Which I will do, and I'll add this car and all my other new ones on to the MID

My question is, can they come back and charge me as technically I wasn't covered?

I genuinely was unaware typical bloke I don't check my emails enough or bank statements! Too busy working!

They let me keep the car and didn't give me a single piece of paper or anything to take with me?

Can they come round tomorrow and charge me historically?
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post Sun, 10 Nov 2019 - 21:05
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cp8759
post Sun, 10 Nov 2019 - 21:23
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Yes they can, unfortunately for insurance the burden of proof is reversed, the police just need to prove that you were driving and then it's for you to prove that you had insurance, it's not for the police to prove that you didn't have insurance. They don't actually need to come round to see you at all, it's all done by post.

However they might not have checked yet, and if a policy is in force when they do check they might not bother double checking when it started or when the previous policy expired.


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I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
No, I am not a lawyer.
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DancingDad
post Sun, 10 Nov 2019 - 21:24
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The important bit is to get the thing renewed, if possible to run continuously from the expiry date.
If your insurance will play ball, you were insured.
They sometimes will where there has been an administrative mistake but no guarantees.
If they will only run it from tomorrow, you were not insured.

And in the lap of the gods.
The cops may have something better to do, pulled you, discussed, decided to believe, sent you on your way and moved onto the next job.
Or may be a jobsworth who does double check and you may get that visit.
Or may just be a piece of paper through the post, Conditional Offer Fixed Penalty for instance.
They can charge you historically as you put it.
6 months I think to start court proceedings but others on this side with more knowledge then I will correct if I am wrong.
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cp8759
post Sun, 10 Nov 2019 - 21:29
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They have six months to start proceedings. I can't think of any reason why they'd visit. Trying to get the insurance to renew from the expiry date is your best bet.


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I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
No, I am not a lawyer.
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dddddd
post Sun, 10 Nov 2019 - 21:32
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I'll get on the blower first thing get it set up and get the car on the MID, she said if its on the MID tomorrow its fine...

Which my broker does for me, I just send them the reg... Fingers crossed as i have 9 points for speeding
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Incandescent
post Yesterday, 15:25
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Read the policy very carefully, because sometimes the insurers give an overlap to cover you whilst you renew. This is always very restricted so only 3rd party is likely. That is how I remember it, but in this internet age they may have given this overlap up.
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dddddd
post Today, 00:48
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So the officer that stopped me on Sunday phoned me today, they want to do a home visit tomorrow. Wouldn't discuss over the phonee, I've spoken to my broker and they wouldn't play ball - he said he couldn't help.

I've since insured the car personally rather than going through the whole traders application, my trader friend offered to put me on his but neither situation would be able to insure me at the time of being stopped.

I guess the only thing I've got going for me is I wasn't charged at the time of the incident - she wanted to give me a 7 day to produce notice but she didn't have any forms on her... I don't actually think they did anything officially on their systems...

Obviously they will have dash cam footage and bodycam footage and can obviously prove I was driving and was stopped so I'm guessing that they can use that to still charge me.

My other thought is will I get charged with waisting police time for telling them I was covered when it turns out I wasn't?
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Logician
post Today, 01:08
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That is very unhelpful of your broker, had he in fact reminded you to renew your insurance?

No doubt the officer will want to see evidence of insurance and when you produce that it will be obvious that you were not insured at the time of the stop, and I cannot see any defence, so I fear it is going to mean 6 points which will take you over 12. The only way to avoid a 6 months disqualification is to convince a court that this would cause exceptional hardship, with hardship to others counting for more than to yourself.

You will not be at risk of a charge of wasting police time.


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dddddd
post Today, 01:29
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One thing I don't get is why she doesn't just do it via post, she arranged to come to my home today then cancelled due to a job so shes coming tomorrow I just don't get why if she is going to ticket me why it needs to be in person...

I guess I'll find out in the morning, I just won't sleep well...

I will go to court and plea hardship based on the fact I have PTSD and have regular appointments at a hospital to see a therapist.
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bill w
post Today, 01:57
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QUOTE (Logician @ Tue, 12 Nov 2019 - 02:08) *
That is very unhelpful of your broker, had he in fact reminded you to renew your insurance?
..........................


Your broker might not play ball, but how about asking the insurance company, particularly of your broker failed to send out a reminder?
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baroudeur
post Today, 10:50
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QUOTE (bill w @ Tue, 12 Nov 2019 - 01:57) *
QUOTE (Logician @ Tue, 12 Nov 2019 - 02:08) *
That is very unhelpful of your broker, had he in fact reminded you to renew your insurance?
..........................


Your broker might not play ball, but how about asking the insurance company, particularly of your broker failed to send out a reminder?


Policies expire on the date and time shown and cannot be extended after that point passes. A new policy starts from the date and time of application and cannot be backdated.

Insurers prefer auto-renewal as it avoids a policy lapsing.
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Fredd
post Today, 10:59
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QUOTE (baroudeur @ Tue, 12 Nov 2019 - 10:50) *
Insurers prefer auto-renewal as it avoids a policy lapsing customers noticing they've hiked the premium and shopping around for a better deal.

FTFY.


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