6 points penality , although car was insured ?

[gurisingh]

Hi Guys,

 

I have a policy with norwich union and my car was insured since I had it. I've got a MOT(Can't find it but I will request it), valid tax disc. The only problem was that I had changed my number plate and I forgot to update my car insurance about this.

 

So when I was driving yesterday the police stopped me claiming that I do not have any insurance(I still had the old number plate in the back).

 

Anyway my car was seized, despite my original number plate in the back side and the police office told me that I will get 6 points and would have to pay the charges for my car. He also said that once I can proof I had a valid insurance I would not have to pay the charges nor get the points.

 

Do I have any chance of winning in the court, as the car and I were insured, just not with the new number plate wich I put on recently.

 

Help would be appreciated.

Edited July 12, 2009 by gurisingh

[patdavies]

Hi Guys,

 

I have a policy with norwich union and my car was insured since I had it. I've got a MOT(Can't find it but I will request it), valid tax disc. The only problem was that I had changed my number plate and I forgot to update my car insurance about this.

 

So when I was driving yesterday the police stopped me claiming that I do not have any insurance(I still had the old number plate in the back).

 

Anyway my car was seized, despite my original number plate in the back side and the police office told me that I will get 6 points and would have to pay the charges for my car. He also said that once I can proof I had a valid insurance I would not have to pay the charges nor get the points.

 

Do I have any chance of winning in the court, as the car and I were insured, just not with the new number plate wich I put on recently.

 

Help would be appreciated.

 

Did the officer not ring your insurer from the roadside?

 

Once you produce a valid insurance certificate, then the 6 points and the fixed penalty will probably be dropped, but you will still be liable for the recovery and storage costs.

[gurisingh]

It was 4 am in the morning and everything was closed.

 

Should I appeal against the decision ? Would it be expensive, if I'd lose this in the court ? Is there a chance of winning?

[patdavies]

It proably is worth appealing in Court as the law only requires the driver to be insured.

 

You would need to produce

 

a) your old insurance certificate showing the old VRM;

b) the V988 authorising the change of VRM

c) the new certificate showing the new VRM;

d) evidence that the insurance was continuous regardless of VRM.

 

Whatever happens, you remain liable for the recovery fee (£105?) and storage costs (£12/day?)

[gurisingh]

b) the V988 authorising the change of VRM

- Is that a standard document you receive? I can't remember having received it.

 

I've got the V5 with the old and new registration certificate. The problem here is that they had my name wrongly spelled on the new v5 certificate. Would that be a problem ?

[patdavies]

How have you got the old V5 - it has to be surrendered as part of the VRM transfer?

 

Similarly, you surrender the old MoT certificate and a new one issued for the remaining time (it used to be over printed with the new VRM until computerised MoT tests came into being).

 

If you haven't got a V998, how did you know that the transfer had completed? This is usually issued with 24-48 hours of the transfer request and the new V5 follows some weeks later.

 

Perhaps you can take us through the process you followed and the timeline?

[gurisingh]

Hi Guys,

 

I just wanted to give you an update.

 

Despite the fact that I had surrendered and sent the money with all documents to the police for the points, I have received an mail telling me that they have completed discussion with my insurance company and could confirm that I had an insurance at that time.

 

This means, no points for me and I've got my money back as well .

 

Thanks for the help.