Thank you for this, in fact the insurance company, when admitting liability, have refunded us the amount it cost us to get the car back from the pound along with £50 additional. I believe this is because they have accepted they have acted unlawfully with regard to age discrimination. I'm not sure I fully understand the Single Justice Procedure Notice - would we not just opt to go to court if the police don't revoke this penalty notice? However, I would hope to avoid court as Admiral have admitted liability.

Our 17yo daughter was stopped by the police as she did not have car insurance which we did not realise. The reason is that Admiral had requested that we send a number of ID documents - we sent what we could (driving licence, V5) but were unable to provide any of the specific documents required such as mortgage letter, pension letter, utility bill, landline phone bill etc (there were 8 options) as she is 17, needs to legally be in full time education until she is 18 and, therefore unable to provide any of these documents. As we were in communication with them about this we genuinely did not know they had cancelled it. My daughter had her car seized then later received a conditional penalty notice of £300 fine and 6 points - thus losing her licence. Naturally I raised a complaint on the grounds of age discrimination and Admiral have admitted full liability and provided us with a letter of indemnity (attached) stating the fault was theirs and that she would have been covered at the time the police stopped her and that she would not have had any knowledge that she was not covered on insurance. What do we now do with our conditional penalty notice? We were given 28 days from 21 October to either accept the points or agree to go to court. We have done neither yet - do we really have to go to court at our expense? Or can the police now drop the penalty notice? 30-Oct-20 - Admiral Indemnity letter - 201007103.pdf