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Got caught without insurance!!
Hi guys..
Basically last week I got caught driving my brothers car without insurance to get to college.
The police said I had to pay £150 to get the car back, a £200 fine, 6 points and having to do my test again.
I was told to report to my nearest police station with my photo card license and counterpart license. When I went there, the officer done all the paperwork and at the end handed me over the slip I was given by the police officer on the day and was told "keep this with you whenever you are driving a car which you are fully legit on". He also said that my license would be sent to DVLA and would just come back with 6 points within 10 weeks. He didn't mention anything about my license being revoked and having to do my test again.
Does this mean I can still drive?
I still have my license and don't have to do the test again?
Any important advice/information appreciated.
Thanks,
James
Basically last week I got caught driving my brothers car without insurance to get to college.
The police said I had to pay £150 to get the car back, a £200 fine, 6 points and having to do my test again.
I was told to report to my nearest police station with my photo card license and counterpart license. When I went there, the officer done all the paperwork and at the end handed me over the slip I was given by the police officer on the day and was told "keep this with you whenever you are driving a car which you are fully legit on". He also said that my license would be sent to DVLA and would just come back with 6 points within 10 weeks. He didn't mention anything about my license being revoked and having to do my test again.
Does this mean I can still drive?
I still have my license and don't have to do the test again?
Any important advice/information appreciated.
Thanks,
James
Scroll to see replies
hazzardzz
Hi guys..
Basically last week I got caught driving my brothers car without insurance to get to college.
The police said I had to pay £150 to get the car back, a £200 fine, 6 points and having to do my test again.
I was told to report to my nearest police station with my photo card license and counterpart license. When I went there, the officer done all the paperwork and at the end handed me over the slip I was given by the police officer on the day and was told "keep this with you whenever you are driving a car which you are fully legit on". He also said that my license would be sent to DVLA and would just come back with 6 points within 10 weeks. He didn't mention anything about my license being revoked and having to do my test again.
Does this mean I can still drive?
I still have my license and don't have to do the test again?
Any important advice/information appreciated.
Thanks,
James
Basically last week I got caught driving my brothers car without insurance to get to college.
The police said I had to pay £150 to get the car back, a £200 fine, 6 points and having to do my test again.
I was told to report to my nearest police station with my photo card license and counterpart license. When I went there, the officer done all the paperwork and at the end handed me over the slip I was given by the police officer on the day and was told "keep this with you whenever you are driving a car which you are fully legit on". He also said that my license would be sent to DVLA and would just come back with 6 points within 10 weeks. He didn't mention anything about my license being revoked and having to do my test again.
Does this mean I can still drive?
I still have my license and don't have to do the test again?
Any important advice/information appreciated.
Thanks,
James
When did you do your test, as if it's within 2 years, 6 points = license revoked.
I don't know the answer, but I am glad you got caught! It will make you think twice about doing it again.
My friend managed to get his car insurance down quite low and then got hit by an uninsured driver and of course his insurance sky rocketed....grrr it riles me, glad to know they police you catch people!
My friend managed to get his car insurance down quite low and then got hit by an uninsured driver and of course his insurance sky rocketed....grrr it riles me, glad to know they police you catch people!
From drivingban.co.uk
Yes, google is your friend too...
Can the DVLA revoke my licence without prior warning or a Court attendance?
Yes. The process is automatic and neither the Police, the DVLA or the Court have any discretion. If you accept a Fixed Penalty Notice which results in 6 points being reached within your first 2 years of driving, your licence will be revoked without any prior warning or a Court appearance.
Do the DVLA, the Police or the Courts have to warn me that my licence could be revoked?
There is no obligation on the part of the authorities to warn you of the process or the fact that you face revocation. It is assumed that you will be familiar with the Road Traffic (New Drivers) Act 1995.
Is there any way I can avoid revocation of my driving licence?
Yes. Whilst revocation is automatic if you reach 6 points, if you can prevent points being endorsed, you can avoid revocation. Consequently, for some offences it may be more practical to obtain a short period of disqualification by way of a punishment instead of penalty points. Although to achieve this, you will have to attend Court, if you can convince the Court to impose a punishment that avoids penalty points, you will avoid revocation.
It is important to understand that whilst the Court has no discretion on whether revocation is imposed should you reach 6 points, it does have discretion on the punishment imposed and therefore, avoiding points will avoid revocation. This will require technical knowledge of the law so you should seek legal advice if you chose to go to Court.
My licence has been revoked. Can I appeal?
There is no appeal process via the DVLA so if you have accepted fixed penalties, you have little option but to apply to retake a driving test. If revocation has followed a Court hearing, you can appeal that decision to a higher Court. You have 21 days in which to lodge an appeal and the revocation will be suspended pending the outcome of the appeal hearing, as long as you lodge a copy of the appeal with the DVLA.
I have received 6 points but I've not been told that my licence has been revoked. Can I continue driving?
In the normal course of events the DVLA would write to you giving you 5 days notice of revocation. If you have not received such a letter, it is quite feasible that it has simply got lost in the post and revocation has been imposed without your knowledge. You should check with the DVLA to establish the status of your licence. If it has been revoked and you continue to drive, you not only commit the offence of driving otherwise than in accordance with your licence, but this would also invalidate your insurance which would lead to a further prosecution.
Yes, google is your friend too...
Can the DVLA revoke my licence without prior warning or a Court attendance?
Yes. The process is automatic and neither the Police, the DVLA or the Court have any discretion. If you accept a Fixed Penalty Notice which results in 6 points being reached within your first 2 years of driving, your licence will be revoked without any prior warning or a Court appearance.
Do the DVLA, the Police or the Courts have to warn me that my licence could be revoked?
There is no obligation on the part of the authorities to warn you of the process or the fact that you face revocation. It is assumed that you will be familiar with the Road Traffic (New Drivers) Act 1995.
Is there any way I can avoid revocation of my driving licence?
Yes. Whilst revocation is automatic if you reach 6 points, if you can prevent points being endorsed, you can avoid revocation. Consequently, for some offences it may be more practical to obtain a short period of disqualification by way of a punishment instead of penalty points. Although to achieve this, you will have to attend Court, if you can convince the Court to impose a punishment that avoids penalty points, you will avoid revocation.
It is important to understand that whilst the Court has no discretion on whether revocation is imposed should you reach 6 points, it does have discretion on the punishment imposed and therefore, avoiding points will avoid revocation. This will require technical knowledge of the law so you should seek legal advice if you chose to go to Court.
My licence has been revoked. Can I appeal?
There is no appeal process via the DVLA so if you have accepted fixed penalties, you have little option but to apply to retake a driving test. If revocation has followed a Court hearing, you can appeal that decision to a higher Court. You have 21 days in which to lodge an appeal and the revocation will be suspended pending the outcome of the appeal hearing, as long as you lodge a copy of the appeal with the DVLA.
I have received 6 points but I've not been told that my licence has been revoked. Can I continue driving?
In the normal course of events the DVLA would write to you giving you 5 days notice of revocation. If you have not received such a letter, it is quite feasible that it has simply got lost in the post and revocation has been imposed without your knowledge. You should check with the DVLA to establish the status of your licence. If it has been revoked and you continue to drive, you not only commit the offence of driving otherwise than in accordance with your licence, but this would also invalidate your insurance which would lead to a further prosecution.
If you're still within your probationary period (i.e. 2 years since you passed), I wouldn't be expecting your licence to come back.
Have fun resitting your theory and practical. Oh and you better start saving for your next insurance premium, lolz.
Have fun resitting your theory and practical. Oh and you better start saving for your next insurance premium, lolz.
If in probational period, then your licence will be revoked and you can no longer drive. If past the two year probational period, then licence will simply come back with 6 points on it and you can continue to drive. However, in either instance, your insurance premiums will now be astronomical. Enjoy!
Sync
If in probational period, then your licence will be revoked and you can no longer drive. If past the two year probational period, then licence will simply come back with 6 points on it and you can continue to drive. However, in either instance, your insurance premiums will now be astronomical. Enjoy!
You think that matters to the OP, who got caught for having no insurance...
MrChem
You think that matters to the OP, who got caught for having no insurance...
Well since a previous disqualifcation could quite easily make your insurance so expensive as to be unaffordable, yes, I think it probably does matter.
Potally_Tissed
Well since a previous disqualifcation could quite easily make your insurance so expensive as to be unaffordable, yes, I think it probably does matter.
My point was, the OP didnt feel like paying for insurance this time around (albeit on a mates car) what makes you think he'll pay it this time round, especially if its even higher.
MrChem
My point was, the OP didnt feel like paying for insurance this time around (albeit on a mates car) what makes you think he'll pay it this time round, especially if its even higher.
Fair point. It relies on the assumption that the OP is a complete and utter idiot, but I can go along with that.
I laugh at all you stuck up ***** on here, always complaining about insurance prices, instead of about the system.
Insurance companies make ridiculous amounts of profits every year - there is ofcourse, nothing wrong with that in principle. But, these companies are guaranteed money, we have to be insured to be on the road. The premiums they charge are nowhere near proportionate or in anyway linked to the amount of 'risk' they take on.
But anyway OP, the point is - drive without insurance, just don't get caught. Also, im 99.9% sure if you had used your brain and consulted a semi-decent solicitor you would still have your license + no points or depending on circumstances, maybe a disqualification for a short period.
Insurance companies make ridiculous amounts of profits every year - there is ofcourse, nothing wrong with that in principle. But, these companies are guaranteed money, we have to be insured to be on the road. The premiums they charge are nowhere near proportionate or in anyway linked to the amount of 'risk' they take on.
But anyway OP, the point is - drive without insurance, just don't get caught. Also, im 99.9% sure if you had used your brain and consulted a semi-decent solicitor you would still have your license + no points or depending on circumstances, maybe a disqualification for a short period.
Idiot, glad you'll be off the road.
Roobsa
don't get caught...great advice. how about obey the law and pay for insurance like most people.
Because its a law that is stupidly/unfairly implemented and I have my own brain and won't do as I'm told, simply because I'm told to do it.
I'm not advocating anyone break the law, this is simply my opinion. I'll also stress, I am insured fully comp + 3rd party on any other car, so its not an issue for me. But i certainly understand why other people do it and from a moral point of view, the best advice I can give them is, don't get caught.
anonymouz
Because its a law that is stupidly/unfairly implemented and I have my own brain and won't do as I'm told, simply because I'm told to do it.
I'm not advocating anyone break the law, this is simply my opinion. I'll also stress, I am insured fully comp + 3rd party on any other car, so its not an issue for me. But i certainly understand why other people do it and from a moral point of view, the best advice I can give them is, don't get caught.
I'm not advocating anyone break the law, this is simply my opinion. I'll also stress, I am insured fully comp + 3rd party on any other car, so its not an issue for me. But i certainly understand why other people do it and from a moral point of view, the best advice I can give them is, don't get caught.
not really, you only need 3rd party, to cover damage you do to other people... which is fair enough as it's only saying that if you CAUSE an accident, you should have to have the ability to pay for the damage you do. I can't understand why people should get away with driving without at least 3rd party insurance.
anonymouz
I laugh at all you stuck up ***** on here, always complaining about insurance prices, instead of about the system.
Insurance companies make ridiculous amounts of profits every year - there is ofcourse, nothing wrong with that in principle. But, these companies are guaranteed money, we have to be insured to be on the road. The premiums they charge are nowhere near proportionate or in anyway linked to the amount of 'risk' they take on.
But anyway OP, the point is - drive without insurance, just don't get caught. Also, im 99.9% sure if you had used your brain and consulted a semi-decent solicitor you would still have your license + no points or depending on circumstances, maybe a disqualification for a short period.
Insurance companies make ridiculous amounts of profits every year - there is ofcourse, nothing wrong with that in principle. But, these companies are guaranteed money, we have to be insured to be on the road. The premiums they charge are nowhere near proportionate or in anyway linked to the amount of 'risk' they take on.
But anyway OP, the point is - drive without insurance, just don't get caught. Also, im 99.9% sure if you had used your brain and consulted a semi-decent solicitor you would still have your license + no points or depending on circumstances, maybe a disqualification for a short period.
So, a newly qualified 17 year old is no riskier than say my mum who has been driving for 20+ years and has never made a claim. Riiiight...
Second bold bit... please don't. When you crash and have no insurance, you wreck someone else's insurance as well, as has been said previous in here I think.
And what the HELL?! A semi-decent solicitor. If you were driving with no insurance, and were caught, and there is proof, how they hell would you get out of that one?!
you annoy me : )
chriscpritchard
not really, you only need 3rd party, to cover damage you do to other people... which is fair enough as it's only saying that if you CAUSE an accident, you should have to have the ability to pay for the damage you do. I can't understand why people should get away with driving without at least 3rd party insurance.
MrChem
So, a newly qualified 17 year old is no riskier than say my mum who has been driving for 20+ years and has never made a claim. Riiiight...
Second bold bit... please don't. When you crash and have no insurance, you wreck someone else's insurance as well, as has been said previous in here I think.
And what the HELL?! A semi-decent solicitor. If you were driving with no insurance, and were caught, and there is proof, how they hell would you get out of that one?!
you annoy me : )
Second bold bit... please don't. When you crash and have no insurance, you wreck someone else's insurance as well, as has been said previous in here I think.
And what the HELL?! A semi-decent solicitor. If you were driving with no insurance, and were caught, and there is proof, how they hell would you get out of that one?!
you annoy me : )
I'm not against insurance, that would be stupid.
I am against these private large corporations profiting in the billions, year on year and ripping people like us off (i.e. Young, Male etc.). That fact alone demonstrates, the premium they charge is not in line with the amount of risk they take. This is coming from someone who is generally in favour of 'free enterprise' and the like. But this is something we are forced to buy by statute, I think the government should impose more legislation on insurers to be fair.
This is where MrChem, you have misunderstood my argument - It doesn't matter that they charge a newly passed driver more, as they should. But the fact is they charge TOO much in the first place. They charge old people more than they should and increase it further when its a young driver.
I guess its just a matter of opinion, but have any of you guys actually dealt with insurance companies when you have a complain to make? They are evil. They will try to wiggle their way out of paying you in anyway possible, they are responsible for creating unfair agreements and agreements favourable in their direction. They rip people off left, right and centre and I'm speaking from experience. Thank god, i've never been a position where i've had to go through an insurance claim, but I know many friends/family who have from car accidents to burglarly and insurance companies are a pain to deal with.
The fact of the matter is the majority of people never have an accident.
Also, the police are 'cracking down on uninsured drivers', not on a matter of principle or simply because they are breaking the law. It has to do with generating revenue. I know someone who admitted to driving without insurance, it was their fathers car, he got caught literally outisde his house and they refused to let the father take custody of the car just so they could sieze it and charge them an extra £180 storage fee. Before anyone says that some of the money goes to a private co. for picking up the car and storing it for 1 day, it does but the % they split with the police is around 75%. The standard FPN for no insurance = 6 Points (insurance goes up), £250 fine (100% goes to the police - i think it goes round in a circle but eventually ends up in their hands), £180 storage fee (minimum, for 1 day + £12 - £20 per day storage too). In places with high amounts of uninsured drivers + car crime (where they have to seize cars), the storage/recovery contracts are worth millions. Also, have you not seen the police are now also charging victims of car crime to come and recover their car? They charge the same amount as for no insurance.
About the second bold bit in your post, it shouldn't in theory. If the driver is uninsured or unidentified you are supposed to claim against the MIB (Motor Insurers Bureau). Instead, people are incorrectly advised (again by the insurance companies) to claim against their own insurance, because its quicker to get paid out. When this happens, you lose your NCB and your premium may rocket. If you claim against the MIB, that doesn't happen.
And yes, a semi-decent solicitor. There lots of ways of 'getting out of it', but from what the OP has said already I can tell you he wouldn't be able to now. But still if he was to take it to court and come up with the right story, he would get away with no points and small period disqualification. He wouldn't even need a solicitor for that, if he knows what he is doing but a solicitor helps.
Sorry but no matter what your opinions on insurance, the law is the law, and thats final.
You either pay or dont drive.
Living in a democracy doesnt give you the right to break the law just because you dont agree with it.
Yes they charge too much. But you will find a significant proportion of insurance premiums accounts for costs incurred by uninsured drivers so by default insurance wouldnt be so expensive if it wasnt for idiots like the OP.
And claiming through the MIB is fine in theory. In practice it is pointless.
In practice most people need thier car fixed for work etc and cant afford to be without wheels for 6 months it might take to claim from MIB.
Also your insurance premium will still rise claiming through MIB as you are required as part of your insurance contract to declare ALL accidents, fault/non fault, claimed or not, and they WILL increase your premium even for a non fault, non claimed accident. Not saying thats right but they will have some stupid statistic used in thier risk factors that show that someone who has a non-fault accident is still more of a risk than someone who hasnt been crashed into.
Personally i think we should have a government regulated and price set third party insurance option where the prices are agreed and standard for certain common variables. That way everyone has NO excuse to not have the minimum cover.
Insurance companys dont make as much profit anymore thanks to fraudsters, "No win no fee" silly injury claims etc and crashes caused by uninsured drivers and morons who thieve cars.
You either pay or dont drive.
Living in a democracy doesnt give you the right to break the law just because you dont agree with it.
Yes they charge too much. But you will find a significant proportion of insurance premiums accounts for costs incurred by uninsured drivers so by default insurance wouldnt be so expensive if it wasnt for idiots like the OP.
And claiming through the MIB is fine in theory. In practice it is pointless.
In practice most people need thier car fixed for work etc and cant afford to be without wheels for 6 months it might take to claim from MIB.
Also your insurance premium will still rise claiming through MIB as you are required as part of your insurance contract to declare ALL accidents, fault/non fault, claimed or not, and they WILL increase your premium even for a non fault, non claimed accident. Not saying thats right but they will have some stupid statistic used in thier risk factors that show that someone who has a non-fault accident is still more of a risk than someone who hasnt been crashed into.
Personally i think we should have a government regulated and price set third party insurance option where the prices are agreed and standard for certain common variables. That way everyone has NO excuse to not have the minimum cover.
Insurance companys dont make as much profit anymore thanks to fraudsters, "No win no fee" silly injury claims etc and crashes caused by uninsured drivers and morons who thieve cars.
warrenpenalver
Personally i think we should have a government regulated and price set third party insurance option where the prices are agreed and standard for certain common variables. That way everyone has NO excuse to not have the minimum cover.
Insurance companys dont make as much profit anymore thanks to fraudsters, "No win no fee" silly injury claims etc and crashes caused by uninsured drivers and morons who thieve cars.
Personally i think we should have a government regulated and price set third party insurance option where the prices are agreed and standard for certain common variables. That way everyone has NO excuse to not have the minimum cover.
Insurance companys dont make as much profit anymore thanks to fraudsters, "No win no fee" silly injury claims etc and crashes caused by uninsured drivers and morons who thieve cars.
The bold bit is the only part i really agree with you on from your whole post.
Also, like i said before it might take 6months to claim from the MIB, but people talk rubbish when they say thats much longer than the average insurance co. pay out and I dont blame the MIB for taking longer - they have reason to, they have to go to lentghs to see if it is possible to identify the driver etc.
Also, your final paragraph is rubbish. Insurance companies are making record profits, if there wasn't the fraud they wouldn't have a reason to increase premiums. You do know the guys who the accidents in their neighbourhoods simply increase their own premiums? E.g. Bradford has the highest rate of uninsured drivers in the whole country + a lot of 'no win no fee' CM companies. Whenever there is a dodgey accident, insurance companies just place that postcode as higher risk and make back 10x as much from everyone's premiums in that area. They literally make BILLIONS.
anonymouz
They literally make BILLIONS.
Are you familiar with the concept of private companies? Making money is pretty much their only goal. Do you really expect insurance companies to care about whether or not they are 'doing the right thing'?
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