What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?
- Asked By: BC
- Category: Business and Finance
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I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before.
I wasn’t aware that the insurance expired , i thought it was at the end of the month. I didn’t receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault.
This is a genuine oversight on my part, but I’m not sure if they’ll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that.
Should i get a solicitor and does anyone know how much they cost?
Will i be suspended from driving?
gynmedic
Posted 7 months ago
At least three penalty points, plus a fine, depending on what you earn, plus court costs.
Solicitor? No they won’t be able to help, you are guilty so plead guilty and pay up.
You might also wish to consider that moving address and not informing your insurer, might invalidate your insurance. remeber, they only insured you for the potential risks based on your post code. Another area might pose different risks. It is known as a ‘material non-disclosure’. Clearly you haven’t read the policy terms, you really should!
wizjp
Posted 7 months ago
Varies from state to state and country to country; are you from the UK? (solicitor?)
samwise_boffin_of_whitfurrows
Posted 7 months ago
thats what they all say .as its your second offence you may be penalised and get six points but what is certain is that your insurance premiums will rise failing to notify your insurance company of a change of address would probably invalidate your insurance anyway.
there is no excuse sorry.
welcome news
Posted 7 months ago
I am sorry but it is everyone’s duty to obey the law – you admit that the reason why you did not receive a renewal notice is your own fault so as far as I can see you are the author of your own misfortune. Your only chance would be if your insurance policy was paid by direct debit, in which case it would have been renewed automatically. It is unlikely that your previous insurers would allow you to renew the policy – (in effect backdating cover as this is a criminal offence) however there is no harm going back to them, explain the situation and asking.
With regards to penalty – the court should ignore a conviction 7 years ago as you are presumably rehabilitated so I should expect a fine (+£15.00 wife abuse fee) + about 6 points on your driving licence – of course this will have to be disclosed when applying for any further insurance policy – and the fact that you are being prosecuted if you apply before conviction is probably a material fact even though in the law’s eyes you are innocent until proven guilty.
You are unlikely to be banned for a single IN10 offcence.
Oracle
Posted 7 months ago
Contact your insurer/broker and see if the policy is still available to renew – quickly. Technically, there are no longer any “days of grace” with UK motor insurance but you might be lucky.
If not, the conviction would be IN10 (Driving without adequate insurance) and the penalty could be 6 points and a substantial fine.
Get onto your insurer/broker immediately and try and get the policy renewed via debit/credit card.
oklatom
Posted 7 months ago
Ignorance of the law is not an excuse. Apparently you really didn’t learn much from your previous incident, since you are still doing it. It’s the concept of choice and consequence. Don’t fix the broken light, you may be stopped and ticketed. Don’t change your address, you won’t get your mail including reminders. Don’t bother to look at your insurance card, it may be expired. Right now, while you’re thinking of it, check your license to make sure it’s good.
What to do? Renew the insurance. Appear in court, tell them, I forgot to renew it, but I have it now. Show the new card. Pay the fine.
Colin M
Posted 7 months ago
First of all, whatever happened 7 years ago should have “expired” by now and won’t make any difference.
Secondly, you won’t lose your licence (unless you’ve already got several points on it and what the court gives you tots up to over 12).
A solicitor normally costs something like £120 an hour for something like this. Frankly you don’t need one, when you go to court you’ll be asked if you plead guilty or not guilty. If you plead guilty, they’ll ask you if there is anything you want to say before they pass sentence. Just be contrite and polite, apologise for your stupid oversight and for taking up the court’s time. They will listen. You’ll likely get points and a fine.
PS take all the paperwork with you, including your licence.
esmerelda v
Posted 7 months ago
Get a solicitor, he/ she will present the situation better in court than you will. i.e. it’s their job. It will cost you less than £500. Worth every penny. Especially as you have form i.e. a previous conviction for the same offence!!
Remember, in the eyes of the court you have not learned from your previous conviction.
If you start talking about “oversight” in the court it may not make you very popular!
The previous driving offence will be on your record for the court to see.
Bear
Posted 7 months ago
Unfortunately the oversight in renewing your insurance will not save you from conviction. The penalty is 6-9 points and a fine. You will only be banned if you have points already and the points given from this offence give you 12 points or more. If I were you I would get the duty solicitor at court who can represent your case. Although he / she will not get you off they are able to plead your case in the hope of a lenient sentence.
shih tzu lady
Posted 7 months ago
No excuses – you aint got insurance and that’s that. Oversights are not acceptable – we all have to take responsibility for being a bit more organised and arranging our insurance.
drivingmedaft
Posted 7 months ago
Hi
Take it to court!! Sounds scary but isn’t defend yourself the court guy will stitch you up!!
Had similar incident you WILL get points but if make it clear that it’s accidental ie… you are now insured and have given DVLA new address too (£1000 FINE) if you don’t!!
They will give points but not fine if believe you.. This is because you did ride while uninsured and therefore will be punished but if was genuine mistake they’ll take it into consideration
BEST OF LUCK
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I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before.
I wasn’t aware that the insurance expired , i thought it was at the end of the month. I didn’t receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault.
This is a genuine oversight on my part, but I’m not sure if they’ll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that.
Should i get a solicitor and does anyone know how much they cost?
Will i be suspended from driving?
- Getting Tips For Auto Insurance Which Helps!
- Coach Factory Online is genuinely a correctly know and correctly reputed buckskin merchandise organization of America.
- Herve Leger clothing get you to more amazing
- karen millen dresses get a prominent name
- karen millen apparel are superb enough for females
gynmedic
Posted 7 months ago
At least three penalty points, plus a fine, depending on what you earn, plus court costs.
Solicitor? No they won’t be able to help, you are guilty so plead guilty and pay up.
You might also wish to consider that moving address and not informing your insurer, might invalidate your insurance. remeber, they only insured you for the potential risks based on your post code. Another area might pose different risks. It is known as a ‘material non-disclosure’. Clearly you haven’t read the policy terms, you really should!
wizjp
Posted 7 months ago
Varies from state to state and country to country; are you from the UK? (solicitor?)
samwise_boffin_of_whitfurrows
Posted 7 months ago
thats what they all say .as its your second offence you may be penalised and get six points but what is certain is that your insurance premiums will rise failing to notify your insurance company of a change of address would probably invalidate your insurance anyway.
there is no excuse sorry.
welcome news
Posted 7 months ago
I am sorry but it is everyone’s duty to obey the law – you admit that the reason why you did not receive a renewal notice is your own fault so as far as I can see you are the author of your own misfortune. Your only chance would be if your insurance policy was paid by direct debit, in which case it would have been renewed automatically. It is unlikely that your previous insurers would allow you to renew the policy – (in effect backdating cover as this is a criminal offence) however there is no harm going back to them, explain the situation and asking.
With regards to penalty – the court should ignore a conviction 7 years ago as you are presumably rehabilitated so I should expect a fine (+£15.00 wife abuse fee) + about 6 points on your driving licence – of course this will have to be disclosed when applying for any further insurance policy – and the fact that you are being prosecuted if you apply before conviction is probably a material fact even though in the law’s eyes you are innocent until proven guilty.
You are unlikely to be banned for a single IN10 offcence.
Oracle
Posted 7 months ago
Contact your insurer/broker and see if the policy is still available to renew – quickly. Technically, there are no longer any “days of grace” with UK motor insurance but you might be lucky.
If not, the conviction would be IN10 (Driving without adequate insurance) and the penalty could be 6 points and a substantial fine.
Get onto your insurer/broker immediately and try and get the policy renewed via debit/credit card.
oklatom
Posted 7 months ago
Ignorance of the law is not an excuse. Apparently you really didn’t learn much from your previous incident, since you are still doing it. It’s the concept of choice and consequence. Don’t fix the broken light, you may be stopped and ticketed. Don’t change your address, you won’t get your mail including reminders. Don’t bother to look at your insurance card, it may be expired. Right now, while you’re thinking of it, check your license to make sure it’s good.
What to do? Renew the insurance. Appear in court, tell them, I forgot to renew it, but I have it now. Show the new card. Pay the fine.
Colin M
Posted 7 months ago
First of all, whatever happened 7 years ago should have “expired” by now and won’t make any difference.
Secondly, you won’t lose your licence (unless you’ve already got several points on it and what the court gives you tots up to over 12).
A solicitor normally costs something like £120 an hour for something like this. Frankly you don’t need one, when you go to court you’ll be asked if you plead guilty or not guilty. If you plead guilty, they’ll ask you if there is anything you want to say before they pass sentence. Just be contrite and polite, apologise for your stupid oversight and for taking up the court’s time. They will listen. You’ll likely get points and a fine.
PS take all the paperwork with you, including your licence.
esmerelda v
Posted 7 months ago
Get a solicitor, he/ she will present the situation better in court than you will. i.e. it’s their job. It will cost you less than £500. Worth every penny. Especially as you have form i.e. a previous conviction for the same offence!!
Remember, in the eyes of the court you have not learned from your previous conviction.
If you start talking about “oversight” in the court it may not make you very popular!
The previous driving offence will be on your record for the court to see.
Bear
Posted 7 months ago
Unfortunately the oversight in renewing your insurance will not save you from conviction. The penalty is 6-9 points and a fine. You will only be banned if you have points already and the points given from this offence give you 12 points or more. If I were you I would get the duty solicitor at court who can represent your case. Although he / she will not get you off they are able to plead your case in the hope of a lenient sentence.
shih tzu lady
Posted 7 months ago
No excuses – you aint got insurance and that’s that. Oversights are not acceptable – we all have to take responsibility for being a bit more organised and arranging our insurance.
drivingmedaft
Posted 7 months ago
Hi
Take it to court!! Sounds scary but isn’t defend yourself the court guy will stitch you up!!
Had similar incident you WILL get points but if make it clear that it’s accidental ie… you are now insured and have given DVLA new address too (£1000 FINE) if you don’t!!
They will give points but not fine if believe you.. This is because you did ride while uninsured and therefore will be punished but if was genuine mistake they’ll take it into consideration
BEST OF LUCK
Other Questions
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Grand pa
Posted 7 months ago
If your that disorganised you may want to stay off the road…Do the crime do the time….