got caught with no insurance

[chrismurra]

got caught with no insurance//
well i have insurance fully comp on my saxo but it is in the garage getting lowerd so i used my dads car today for work and got pulled on the way for a tail light out, got a preducuer i thaught i was cover'd with me having fully comp insurance but when i got home and had a look at my certificate it says that im not coverd to drive his car. what am i to do?? and what will happen when i preduce my documents at the local police station how many points will i get if any and how big a fine?? please help me on this one guys rep given

[Barry123]

you tit.

[chrismurra]

you tit.

why how was i supose to know i was'nt insured i thaught i was until i was sorting out my documents to take down the police station

[uppitysi]

why how was i supose to know i was'nt insured i thaught i was until i was sorting out my documents to take down the police station

I dont think thats a viable excuse im afraid

[babers]

just take them down and hope they dont notice. not to sure on the fines for driving without insurance. but someone i know did get banned .

[AdamW]

They will notice and they will fuck u up........Big huge fine and muchos points....maybe some jail time

[b0t13]

6 points and a big fine, u could make a fake cover note and show them that ;)

[chrismurra]

I dont think thats a viable excuse im afraid

well wat ca i say help me out. what a day my household is having just got a call of my dad and he has been in a smash on the way home from work it must be a unlooky day wid it being the 13th

[chrismurra]

6 points and a big fine, u could make a fake cover note and show them that ;)

how to do this

[chrismurra]

6 points for no insurance i allready have 3 so that will make it 9 foooking hell i will not be able to afford to insure me vts

[uppitysi]

well wat ca i say help me out. what a day my household is having just got a call of my dad and he has been in a smash on the way home from work it must be a unlooky day wid it being the 13th

Ouch, thats unlucky mate, i dunno really.... there is not much you can do, they should have the registration for the car you was pulled in, and when they check the insurance documents and they dont match then :S ur screwed, theres isnt much you can do, unless theres the small chance you can blag that you were convinced ur insurance covers you to drive another vehicle

[AdamW]

Pack your bags.....its time to change your name to Fernando and move to the Costa del sol

[babers]

can your dad not take it in for you or is you name on the preducuer. ( never had one so dont really know)

[Barry123]

why how was i supose to know i was'nt insured i thaught i was until i was sorting out my documents to take down the police station

no really, you should've checked. Simply assuming you're insured is asking for a jail-style bummin'

[chrismurra]

Ouch, thats unlucky mate, i dunno really.... there is not much you can do, they should have the registration for the car you was pulled in, and when they check the insurance documents and they dont match then :S ur screwed, theres isnt much you can do, unless theres the small chance you can blag that you were convinced ur insurance covers you to drive another vehicle

well to be honnast with you i did think this i even told the police officer that it wasent my car and i am just borrowing it while my car is in the garage she said are you insured to drive it and i said well im fullycomp so i guess so she then said ok then you shuld be fine as long as the car has mot, she said i will have t produce mot liclence and proof that i am insured to drive it

[chrismurra]

can your dad not take it in for you or is you name on the preducuer. ( never had one so dont really know)

yer its in my name

[uppitysi]

well to be honnast with you i did think this i even told the police officer that it wasent my car and i am just borrowing it while my car is in the garage she said are you insured to drive it and i said well im fullycomp so i guess so she then said ok then you shuld be fine as long as the car has mot, she said i will have t produce mot liclence and proof that i am insured to drive it

Yeh.. but not all fully comp policy's cover you to drive other vehicles, my tpft policy does, but not all....

Like sayer said, simply pressuming your insured on other vehicles because you're fully comp, is asking for trouble

[SaxoAndy]

have you checked your dad's insurance, does his policy allow other drivers to drive his car?

[babers]

you will have just see what happens when you get there maybe go down with your dad for surport.

[Kelly]

You really should have checked. I did a quote on a car I'm looking to get and it said that due to my age they couldn't allow me cover to drive cars other than my own. I know not every one will but it's best to check and double check before you go out in someone else's car

[BENSAX3]

nto much help but unlucky mate hope it works out ok

[Craig]

on my policy, im fully comp on my car

When and only when im 21 i can drive other cars 3rd party fire and theft as my policy says

[djrem]

http://www.fie.org.uk/main/3.2-Main---Bus-Ticket.jpg

best of luck though mate :(


cant you send your dad along to say he was driving.
Or do they have your name etc

[theo]

6 Points and upto £5000 fine! good luck mate!

[Graham]

unlucky mate, what a time to get pulled over though! that happened to me on my moped, it was like 2am when i got pulled over and my insurance had ran out 2 hours ago! i got a 7 day wonder and had to take my insurance stuff down to the police station and i hoped they didnt notice but they did and they told me to bring my new one, but i never did and up until now they still havent got back to me telling me i need to bring insurance details

[Natalie]

Sorry to tell you but your dad may get 6 points on his license and a fine as well as you

[chrismurra]

on my policy, im fully comp on my car

When and only when im 21 i can drive other cars 3rd party fire and theft as my policy says

im 23 and i carnt

[milesg]

m8 check your dads insurance, my auntie crashed my dads car that he was renting a while back, (well another driver hit them then sped off and when they checked his number plate it was nicked so..) but when they gt home they checked my dads insurance and it said it covered himself and direct close family so read his and since your his son you count as close family so check his insurance out, is his car a company car by any chance?:y:

hope that helps!

[chrismurra]

i dont know what to do. i have rand dads insurence and got insured as from 2day for 14 days only cost 45 pound i am wating for the documents to come through to see if they have put a time stamp on it if not i should be ok but if it has got a time stamp on i guess im screwed because i got pulled at 5.50 am and then got insured at 3.30pm

[chrismurra]

m8 check your dads insurance, my auntie crashed my dads car that he was renting a while back, (well another driver hit them then sped off and when they checked his number plate it was nicked so..) but when they gt home they checked my dads insurance and it said it covered himself and direct close family so read his and since your his son you count as close family so check his insurance out, is his car a company car by any chance?:y:

hope that helps!

no its not a companiey car but i will have a reed through his insurance and let you guys know if i am coverd:y:

[LittleDude101]

i dont know what to do. i have rand dads insurence and got insured as from 2day for 14 days only cost 45 pound i am wating for the documents to come through to see if they have put a time stamp on it if not i should be ok but if it has got a time stamp on i guess im screwed because i got pulled at 5.50 am and then got insured at 3.30pm

It will state from today.

To be honest, your lucky the police didnt take the car away. They now have the power to do so if the car isnt insured by the driver.

What happens to you all depends on how the police are... Could be a fine and points, ban or jail sentence.

In my opinion you should have checked first

[rushy_23]

TBH this is what Im like. I take stuff for granted sometimes and never read
things properly.
Ah well its happened now what you going to do lol.

Not sure what will be done but the fact that you are insured on a car can only
be a good thing.
They mainly are after 100% non insured drivers. Okay you werent insured on
your Dads car but hopefully it will just be a warning.

[-Jason-]

You could get your dad to phone his insurance company and put you on forthe week and say that it was ment to take effect from 9.am this morning but didnt so its the insurance companys fault.

[beastgtir]

Pm me you email address mate, might be be able to help you.

[chrismurra]

pmed mate

[Hazza17]

savage mate! may get jail sentance and a 2year ban and your get blacklisted! this is what happened to my mate! :(

sorry bud

[Hazza17]

http://www.saxperience.com/forum/showthread.php?t=71629

check the first post mate! and add on the possible jail sentance

[chrismurra]

so i guess that i am screwed i will just have to wait and see what hapens i can only tell them the truth that i thaught i was insured to drive dads car until i was getting my documents redy to take to the police station, then i relised that im not coverd. what do ya think they will say its not as if i do it all the time i mean i am fully comp and my dad is fully comp, i would of thaught they would be more stricked with 100% non insured drivers who just dont care about the law. i know of a few who live round hear and they get away with it for over 4 years..

[Sean]

got caught with no insurance//
well i have insurance fully comp on my saxo but it is in the garage getting lowerd so i used my dads car today for work and got pulled on the way for a tail light out, got a preducuer i thaught i was cover'd with me having fully comp insurance but when i got home and had a look at my certificate it says that im not coverd to drive his car. what am i to do?? and what will happen when i preduce my documents at the local police station how many points will i get if any and how big a fine?? please help me on this one guys rep given

Nothing you can do, ignore all the bullshit posted about telling the police it's insurance company's fault and the other nonsense. You go into court and tell the judge you 'thought' you were insured and he'll ban you just for being a moron- 'thinking' you were insured means you weren't 100% certain that you were, any person with half a brain would have either checked their policy or simply phoned their company to double check. or maybe i just expect too much from most people on here? no insurance is 6 points and a ban with fine.

[Hazza17]

just start bum licking and hope the officer likes it!! thats the only way! dont go worrying about it! i kno its hard not to but they will just say "well you should of checked!"

ow and bring fully comp on your car may help but ring your insurers, explain whats happened and be £300% sure that your not covered on any other car!!

lets pray you are though! sorry to hear bout your dad though mate

[Barry123]

so i guess that i am screwed i will just have to wait and see what hapens i can only tell them the truth that i thaught i was insured to drive dads car until i was getting my documents redy to take to the police station, then i relised that im not coverd. what do ya think they will say its not as if i do it all the time i mean i am fully comp and my dad is fully comp, i would of thaught they would be more stricked with 100% non insured drivers who just dont care about the law. i know of a few who live round hear and they get away with it for over 4 years..

The police will say 'ignorance is not an excuse' dude, but you never know your luck. Personally I'd come clean, you can try with the insurance updating thingy you did today, but you could be in severe doo-doo if they find out.

You are deffo not or your fathers insurance policy???

Come clean and go from there.

[chrismurra]

just start bum licking and hope the officer likes it!! thats the only way! dont go worrying about it! i kno its hard not to but they will just say "well you should of checked!"

ow and bring fully comp on your car may help but ring your insurers, explain whats happened and be £300% sure that your not covered on any other car!!

lets pray you are though! sorry to hear bout your dad though mate

i am not coverd mate i had a look on my certificte it clearly stats that i am not coverd to drive other cars at all. so what do i tell the police???

[chrismurra]

The police will say 'ignorance is not an excuse' dude, but you never know your luck. Personally I'd come clean, you can try with the insurance updating thingy you did today, but you could be in severe doo-doo if they find out.

You are deffo not or your fathers insurance policy???

Come clean and go from there.

i am coverd as of 2day i got my mam to ring them up and cover me as soon as i found out that i was not coverd

[Hazza17]

tell the truth mate but you will get 6 points, two year ban and a £5000 fine no - matter what you say!

not your lucky day really

[chrismurra]

so i will get 6 points, two year ban and a £5000 fine no matter what i say is this true???

[Sean]

tell the truth mate but you will get 6 points, two year ban and a £5000 fine no - matter what you say!

not your lucky day really

you pull those figures out of your arse?
chris- even if you have covered yourself now, you weren't covered at the time of the offence. The best you can do is go to court and plead ignorance, won't stop you getting a ban (6months to a year max) 6 points and a fine (up to judge how much), but it might make the judge a bit more lenient when it comes to length of ban and the cost of the fine.

[chrismurra]

you pull those figures out of your arse?
chris- even if you have covered yourself now, you weren't covered at the time of the offence. The best you can do is go to court and plead ignorance, won't stop you getting a ban (6months to a year max) 6 points and a fine (up to judge how much), but it might make the judge a bit more lenient when it comes to length of ban and the cost of the fine.

well all i can do is tell the truth my car went into garage to get fixed i needed to get to work so i borrowed dads car thinking i would be coverd as i was fullycomp but later found out that i was not coverd after i got pulled for the dull light on his car. thats the truth the whole truth and nothing but the truth. bla bla bla nothing elce i can do is there??

[Sean]

nope you can only tell them what happened, nothing more nothing less.

[milesg]

did you check your dads policy m8, maybe saying that you had a quick look thru your insurance first and thought it said you wer ok and then wen you double checked it you realised you wernt covered, maybe even calling them up tomorow and say that your worried as you have just realised this, you have to seem like you really made a genuine mistake(which you did, judges normally dont go too harsh on ppl if they are gud honest ppl that make a mistake, if you had been a 16yr old speeding wiv no insurance then obs u wud have problems, bt jus check your dads pollicy b4 you fink of anything else.

[chrismurra]

did you check your dads policy m8, maybe saying that you had a quick look thru your insurance first and thought it said you wer ok and then wen you double checked it you realised you wernt covered, maybe even calling them up tomorow and say that your worried as you have just realised this, you have to seem like you really made a genuine mistake(which you did, judges normally dont go too harsh on ppl if they are gud honest ppl that make a mistake, if you had been a 16yr old speeding wiv no insurance then obs u wud have problems, bt jus check your dads pollicy b4 you fink of anything else.

dads policy says that him and my mam are fully comp but nothing about me so i guess im screwed mate, when you say calling them up 2moz who do you meen the police as this is what i was thinking of doing see what they say

[Jackman]

Gutted. shoulda checked.

i thought this also but i checked to make sure. glad i did.

[cal1892]

i work in the finance industry and deal with insurance and driving licences all day, i would phone your insurance, if your insurance says fully comp then 95% of the time you are covered under the owners permission to drive a motor vehicle under 3rd party only insurance, however if that fails your looking at 3 points and most definately a fine.

[cal1892]

sorry just to clear up, your dads insurance doesnt matter, it goes on your insurance, so if you read your policy and its full comp your most probably covered third party for his car,
i wouldnt worry too much about it mate your probably covered, its your insurance that would cover you though not your dads

[vtrchris64]

so i will get 6 points, two year ban and a £5000 fine no matter what i say is this true???

£5000 fine i doubt it, my cousin got caught with no insurance, tax license everything an got a £250 fine and a ban, pathetic if you ask me.

[Luke]

Seen it before in the local newspaper with people driving with no insurance and all they got was a £25 fine and £82 in costs - it encourages people to drive with no insurance.

[tom187]

Some people drive without insurance for lengthy periods of time.

They think

"If i can get off with Xamount of months without insurance I will save Xamount."

When they get caught they pay hardly anything..

[Clouds_mate]

£5000 fine i doubt it, my cousin got caught with no insurance, tax license everything an got a £250 fine and a ban, pathetic if you ask me.

My friend got caught with no tax or insurance and was in court yesterday. He got sent down for 6month...Granted he been in trouble alot of time with fighting etc but that was the case that sent him to the slammer.

[Robb]

funnily enough my mate got pulled over and given a producer. he's 17, no license, no insurance, and not sure if he's got tax...

cant wait to hear what happens to him, serves him right


muahahahaha

[milesg]

m8 call your dads insurance company if it covers your mum its worth checkin to see if it will cover you, if not, ring you insurance company and if they say youer not covered ring the cops in panic and tell tem the whole story, you wil get a more leniant penalty if any at all if you show concern and be honest.

[johnny_vts]

m8 call your dads insurance company if it covers your mum its worth checkin to see if it will cover you, if not, ring you insurance company and if they say youer not covered ring the cops in panic and tell tem the whole story, you wil get a more leniant penalty if any at all if you show concern and be honest.

It's best not to offer advise when you haven't the faintest idea what you're talking about (especially in your earlier post).

As adsayer, Sean and a few others have said - come clean. Yes, more than likely the insurance document you will receive (now that you're insured) will have a time stamp - only an unscrupulous policeperson would miss that.

You'll be fined, deducted points and may face a ban.

Ignorance is no excuse, i'm afraid.

[milesg]

It's best not to offer advise when you haven't the faintest idea what you're talking about (especially in your earlier post).

What do talking about, im giving the bloke advice cos i seen this type of thing before, so i do have an idea what im talking about, it matters where he lives and what type of rules that area have on uninsured drivers, some big cities have no tolerance rules cos of too many ppl wiv no insurance other places give leniancy cos they are not given specific aims on uninsured drivers by the government. So its sounds to me like all your doing is giving an opinion unless you know that what you say is guna happen to him these no point telling me i dont know what im talking about

[johnny_vts]

I'm a barrister. Perhaps we should just leave it at that...(assuming you know what one is)...

[milesg]

yeah thanks m8 i do, so you specialise in motor convictions then? and also there no point having ago at me for giving him advice to check wiv his dads insurance and his, is there?

[johnny_vts]

What do talking about, im giving the bloke advice cos i seen this type of thing before, so i do have an idea what im talking about, it matters where he lives and what type of rules that area have on uninsured drivers, some big cities have no tolerance rules cos of too many ppl wiv no insurance other places give leniancy cos they are not given specific aims on uninsured drivers by the government. So its sounds to me like all your doing is giving an opinion unless you know that what you say is guna happen to him these no point telling me i dont know what im talking about

Blatantly you don't by the nature of your question. The vast majority of motoring offences/convictions are sat before a magistrates court.

I wasn't 'having a go' at stating he should check his dad's policy - just about the above...

[j3nni3]

My b/f stupidly drove with no insurance and got a producer on the monday and got another wed of the same week - he didnt produce any documents as he had no insurance and so he got a court data and got done for both producers - 3 points for each, a £632 fine and a 6 month ban!

[DomVTS]

im intrested to see what happens, thats unlucky mate. Loads of things you could have done, like even saying your dads name. Sure you'll be fine its not as if you have no insurance, you have your own car. Depends on the police officer you get and then the judge. good luck

[milesg]

Yeah in know that most are sat in front of a judge and my point is that different regions are given different aims and stuff, i had to check this type of thing out for a friend a while ago and he was given a much more leniant punishment as the magistrates saw he had made a mistake and he had genuinly thought he was covered, they told him the whole ignorance is no defence but as he had no other charges to his name and had a good motoring reputation was given a lighter punisnment, I fink we both gt a bit confused cos all im saying is that he should check his insurance and if he isnt covered come clean early, u as a barrister would know that if someone comes in and tells the honest truth at the earliest possible date, then at a magistrates court they are likely to be more leniant on someone,

[barney_2k]

unlucky mate and sorry to hear it

good luck sorting it out

hope you get a little leniancy

Barney

[johnny_vts]

Yeah in know that most are sat in front of a judge and my point is that different regions are given different aims and stuff, i had to check this type of thing out for a friend a while ago and he was given a much more leniant punishment as the magistrates saw he had made a mistake and he had genuinly thought he was covered, they told him the whole ignorance is no defence but as he had no other charges to his name and had a good motoring reputation was given a lighter punisnment, I fink we both gt a bit confused cos all im saying is that he should check his insurance and if he isnt covered come clean early, u as a barrister would know that if someone comes in and tells the honest truth at the earliest possible date, then at a magistrates court they are likely to be more leniant on someone,

They're actually sat in front of a Magistrate. That aside, you are quite correct. Pleading guilty at the earliest possibility will (in most cases) reduce a fineand/or ban. In my opinion, given the circumstance, and without prejudice, a magistrate may suspend the ban.

[milesg]

thats all i was trying to say m8 and yeah i know that there n front of em jus typed quick and so prob made a couple of mistakes wivout looking, and thats my point about where he lives if all the magistrates are doing all day is seeing ppl with no insurance then they might just class him wiv the rest and go harsh on him

[RS_Matt]

yer its in my name

you should have given your dads name!

[RS_Matt]

I bought a brand new car thinking I was covered to drive any car, I got pulled driving it home and given a producer! No probs until I checked the insurance and saw that the policy had been updated from the previous year so I can only drive hire vehicles or cars lent by a garage!!!! I took the certificate of insurance in whilst nervous as hell and the bill didn't notice!!!!!!

PHEW!!!!!! - a little bit of justice after 7 cops beat me up!

[cdyson4]

Honnestly mate ull probs end up in court max ull get is a fine no way nesar 5k and a ban thats it. Just dont get caught again.

[kcsaxo]

if you are fully comp you can drive any car 3rd party as long as the owner gives you permission isnt it?

[Saxo_Steve]

No, some policies state on them that you aren't covered 3rd party to drive other peoples cars. Mines has that on it and I was advised of this when getting my insurance due to my age.

[seat-craig]

i got pulled a couple of weeks ago for broken tail light. i was asked to produce my mot and license. got my mot certificate to produce it and it run out in december. so i went to mot centre got an mot took it to police station they checked it fine. bye!

[Danr]

Serves you right in my eyes. There's too many people uninsured on our roads today.

[quez]

just edit the policy on ur comp n print it out

[vidal]

just edit the policy on ur comp n print it out

And when it gets checked on the insurer's database? The lawyers amongst you may wish to explain "Using a false instrument under the Forgery and Counterfeiting Act"

[Barry123]

Love this. We have some kids thinking its a smart idea to either give their fathers details...

'Sorry officer, i do look about 18 but i can assure you i'm 50' - :clapping: common sense really isnt a strong point on this forum.


...or create a forged document.

Im pretty disgusted to be honest.

[Danr]

Love this. We have some kids thinking its a smart idea to either give their fathers details...

'Sorry officer, i do look about 18 but i can assure you i'm 50' - :clapping: common sense really isnt a strong point on this forum.


...or create a forged document.

Im pretty disgusted to be honest.

Go teach them a lesson sayer :afro:

[jaybiss]

sayer for pm

[chrismurra]

Go teach them a lesson sayer :afro:

lol :y:

[chrismurra]

il shall let everyone know what happens when i get time to go down the police station and come clean. im working back shift so i can not go until Friday

[Saxo_Speed]

This exact thing happend to my mate a few months back, his outcome of the whole thing was 6 points, £275 fine, and a 6 month ban! The best thing you can do is be honest about the whole situation! You will get 6 points tho and a fine regardless, and maybe a ban! Let us know how you get on!

[SAM33R]

mate your license will get revoked wont it???? how long you had it for???

[hesslevtr]

all this your insured on over cars 3rd party is coming to a stop soon

6 points ban and fine for you

dont forge anything
dont bullshit to the judge
just tell the truth
if you lie they will find out

[SAM33R]

thats sucks :( i paid extra on my insurance to be able to drive other cars

[MaRiO89]

Too much of this going on imo, uninsured drivers etc.. Just hold your hands up and say that you thought you were covered etc, just tell the truth..

You should have checked though tbh, i would if i was to be driving around in a car that i dont pay insurance to drive, i would have checked my policy to see if i'm covered etc.. Lesson learnt the hard way mate, just hope they dont notice or something

[Tupps]

You should be able to get some soap on a rope from your local army surplus store

[SAM33R]

coppers are really coming down hard on no insurance...

i was driving down a big hill into town coming back from uni and i saw i police van parked up. i though they were checking for speeding...

so as i got near the bottom, more police cars, they pulled me, i thought thats it 3points and my license gone (i was bricking it)

but they were checking everyones insurance and like 10 cars got siezed

i was only stopped as they were checking the who was the vehicle owner

you cant get away from them as they will catch you sooner or later, i always use to thrash my dads cars as he is a motor trader

[sy_VTR]

basically your fooked. always read your documents chaps! you coul posssibly be looking at a ban!

[vidal]

Whilst feeling some sympathy for the original poster, for what was (if reported correctly) was an honest mistake, I wonder what would have happened in other circumstances. Just imagine if you were crashed into by the someone in the same position as the OP. Your pride and joy is lying in pieces, spread over the road. How quickly would you be on these boards spouting off that "some uninsured scrote crashed into me"? I also wonder how many people would be calling for the uninsured scrote to be hung, drawn and quartered, saying how dreadful it is that chavs without the correct documentation are allowed out and do this to your beloved car. So all those of you who advocated doing nothing, lying, or trying to get out of it, I assume you will be applauding the uninsured driver who ploughs into your car. If not, why not?

My advice to the OP, you made a mistake, it could have happened to any of us, however you were responsible for ensuring that you were insured, which you neglected to do. Explain the circumstances truthfully, then take what ever is coming to you as a very expensive and life changing lesson.

Good luck.

[MaRiO89]

Whilst feeling some sympathy for the original poster, for what was (if reported correctly) was an honest mistake, I wonder what would have happened in other circumstances. Just imagine if you were crashed into by the someone in the same position as the OP. Your pride and joy is lying in pieces, spread over the road. How quickly would you be on these boards spouting off that "some uninsured scrote crashed into me"? I also wonder how many people would be calling for the uninsured scrote to be hung, drawn and quartered, saying how dreadful it is that chavs without the correct documentation are allowed out and do this to your beloved car. So all those of you who advocated doing nothing, lying, or trying to get out of it, I assume you will be applauding the uninsured driver who ploughs into your car. If not, why not?

My advice to the OP, you made a mistake, it could have happened to any of us, however you were responsible for ensuring that you were insured, which you neglected to do. Explain the circumstances truthfully, then take what ever is coming to you as a very expensive and life changing lesson.

Good luck.

:clapping: :clapping:
Well said!

[Tupps]

42 posts and all that rep already

Respect

[chrismurra]

i will just tell the truth i am insured on my own car but not my dads i only borrowed it for 1 day as myne was in garage i thaught i was insured as i am fully comp got pulled then relised i was not insured when sorting documents out, so i paid 120 pound to get insured for 2 week as my car was going to take longer than i expected. this is what i am going t say when i go down the police staion 2 morrow its the truth.

[Hazza17]

any news on this??

he was going down the cop shop 2day wonder how he got on??

[davew]

hope you have the gift of the gab mate because your going to have to go down the station and just show them your documents keep your mouth shut and see what they say...... if that dosent work turn the water works on break down in the middle of the station and make up some shit to get you out of it, such as:

--dogs died
--lost your job
--mrs is up the spout and you need the car to get to work or you cant afford to live and pay to live
-it was your twin who has always had a grudge against you because one day you pretented to be him and banged his mrs

if none of that works get a bank loan out pay the fine and remember not to pick the soap up at your new house....

[beardy]

6 points 1k+ fine

[Hagwag]

I wouldn't be that bothered about the points/ban thing really. Standard is 6-8 points and £180 fine (although less if your skint, etc, more if you caused an accident, etc) What you should be bothered about is getting insurance again in the future.

As soon as you have an IN10 most insurance companies won't want to know and the few that do will want a shed load of money.

[makaveli144]

Anyone heard anything about this?

[Holmes23]

locked up?

only joking

[Skorpion]

Depends how they look on the situation, usually if you have no insurance its a very large fine and in most cases a years ban.

You're lucky in a way its your dads car as at least you've got it back home, if it had been your car and it comes up with no insurance then automatically the car is seized indefinately.

Willsy (on Rich's comp)

[Rigz_vtr]

My next door neighbour bought a motorbike, didnt have a licence, didnt have insurance obviously, crashed it police arrived, he got a 6 month ban and £250 fine, so I very much doubt jail time and 5k fine for this.

[barney_2k]

well lets hope he does alright

it does just sound like a case of not reading the small print

Barney

[sillysammysnail]

mate of mine got caught ridin moped without insurance, he thought he was covered by his fully comp car insurance like chrismurra, he got 3 points and fine... im sure he'll be ok

[rob_s]

dont drop the soap ;)

but incase you do

http://shopuncleharrys.dukestores.duke.edu/images/meat%20vaseline%20021.jpg

but joking aside the worse you will prolby get is a massive fine and a 12month ban?

doubt arguing you dident know would do you any favours thoe

[Leo]

have not read all the posts etc but you might, MIGHT get lucky as you are not some joyrider with no remorse. it was a genunine mistake etc... sometimes the courts can be nice. a cheap lawyer should be able to talk the judges into laying off a fellow tax payer

[chrismurra]

i took my document down the cop shop 2day they said they would report me for failing to provide insurence documents and that i will get a summons so its just a case of wating now lol rely looking forward to it :( :(

i just took my documents down and made out i did not know i was not coverd which i dident when i was pulled :hug:

[Dave86]

Ah well, thats the way it goes. This bumps up peoples insurance quotes. But what the hell, it doesnt matter. I agree with Ad im afraid. Encouraging someone to forge documents isnt the best solution. You can only come clean and hope for the best. I presume by a lack of update he is now enjoying a lengthy stay in prison. Seriously, i'm curious to see whats gone on!

Edit: I was too late!! Sorry to hear that.

[chrismurra]

i shall let you guys know what happens the police are going to ring my insurance and my dads insurance to see if i am coverd to drive his car which i am on his insurance for 2 week but no paper work to prove it. im on his insurance now because i rang up as soon as i found out that i might not be coverd by my fully comp insurance, but down side to it is i was pulled b4 i was coverd so i guess i shal just have to wait and see what happens.

[Luke]

Sounds like you need some good luck mate.

Let us know what happens.

[Richmt11]

Not long ago my mate i work with got pulled hwile his car was in the garage. He was driving some shitter metro he brought for like £50

Anyways he got a producer and managed to produce all but the insurance. He was told he would get a summons nad they took 6 months to send it!

He went to court and got 6 points and i think about £450 fine. Consequently he lost his license. He had no ban time just had ot retake which he has done and passed.

The shit thing is though curing the 6 months they took to send the summons he had gained his 2nd year NCB so when he finally lost it he bloody had to start again and has 0 years driving experience they say impossible to have that NCB, so h has to start his NCB again and telling them about the offence his insurance is hoicked up =/

Its a shit thing to get caught by, always read the small print lol.

Good luck mate, wish you the best.

[tattooprincess]

hummm.... oh dear

[tattooprincess]

good luck m8! ur gonna need it hun!