Caught speeding, valid insurance?

[Basil4u]

Hi

 

I received a NIP for traveling 39mph in a 30 zone (mobile speed camera) in December 2020. As it is my offence, the police sent a letter requesting to know who was driving with three possible outcomes: speed awareness course, 3 points of contest at court. I provided my details and sent the form off. 

 

The police sent me a letter this week asking for confirmation of my insurance... I realised that in October 2020 I removed a private number plate off the vehicle and notified the DVLA and the V5 form but I didn't norify my insurers. 

 

I called the insurance company today and updated my number plate and they said technically I was insured and the vehicle was insured and it depends on how linient the police will be. 

 

I am just concerned as the recent letter states possible prosecution for driving with out insurance with a possible fine and 6 to 8 points. 

 

If they add that to the original 3 I might be given that would be 11 for a first offence. 

 

Has anyone got any experience on this or any advice as I am pretty worried! 

 

Thanks 

[dx100uk]

just tell them the truth surely,

it wasn't purposefully does and as you insurance company say, technically you were insured and so was the vehicle.

it's not as if there was no insurance whatsoever and you were purposefully driving without ever taking out any.

 

 

[Manxman in exile]

On 26/01/2021 at 22:10, Basil4u said:

...

 

I called the insurance company today and updated my number plate and they said technically I was insured and the vehicle was insured and it depends on how linient the police will be. 

...

 

 

If I were you I would want to get confirmation of that in writing from them ASAP.  (ie that notwithstanding that you had failed to notify them of the registration change, you still had valid motor insurance with them)

 

You can then either pass that letter on to the police (or whoever the prosecuting body is) and the insurance charge should be dropped, or you can use the letter in court as a defence.

 

Get confirmation in writing from your insurer that you were insured by them at the time of the speeding.  (Refer to your earlier telephone conversation)

 

EDIT:  I'm confused your insurers talked about it depending how lenient the police would be(?).  If your insurer says you were insured then you were insured - police have nothing to be lenient about because you were covered.  GET IT IN WRITING!

Edited January 28, 2021 by Manxman in exile