Pulled by Garda today. Question

IsMiseJoe

Think I'm posting this in the right section.

Got pulled over today for overtaking on a continuous white line. Garda told me he'd have to give me 'a ticket' for it. He took my licence went back to his car, came back and told I've 10 days to present my insurance details to my local station, gave me back my licence and let me drive off.
Two questions
I was driving my partners car on which I'm a named driver. Do I need to present my own insurance policy (for my own car which also covers me for driving other cars) or her policy which has me down as a named driver?
Also,
He didn't actually issue me a ticket or anything. So what happens now, a fine? Penalty Points? Both?

Atlantic Dawn

Whichever policy you want, both are valid, if it was me I'd present my own policy for the sake of less confusion.

Possibly a fine or court case down the line, hard to know, nothing might become of it.

OSI

OSI wrote: »

You'll need to present your partners insurance documents with you listed as a named driver.

You'll receive a fixed charge penalty notice in the post for the offence.

the partners insurance policy doesn't ensure you- it's your own policy that does that. Many polices allow driving other cars, which will be stated on your own relevant documents??

Duckjob

Deleted User wrote: »

the partners insurance policy doesn't ensure you- it's your own policy that does that. Many polices allow driving other cars, which will be stated on your own relevant documents??

OP is a named driver on his girlfriends policy so her policy insures him to drive her car under her policy, as well as him having 3rd party cover to drive the car under his own policy

cython

Deleted User wrote: »

the partners insurance policy doesn't ensure you- it's your own policy that does that. Many polices allow driving other cars, which will be stated on your own relevant documents??

It does in the OP's scenario:

IsMiseJoe wrote: »

Think I'm posting this in the right section.

Got pulled over today for overtaking on a continuous white line. Garda told me he'd have to give me 'a ticket' for it. He took my licence went back to his car, came back and told I've 10 days to present my insurance details to my local station, gave me back my licence and let me drive off.
Two questions
I was driving my partners car on which I'm a named driver. Do I need to present my own insurance policy (for my own car which also covers me for driving other cars) or her policy which has me down as a named driver?
Also,
He didn't actually issue me a ticket or anything. So what happens now, a fine? Penalty Points? Both?

Duckjob

Duckjob wrote: »

OP is a named driver on his girlfriends policy so her policy insures him to drive her car under her policy, as well as him having 3rd party cover to drive the car under his own policy

cython wrote: »

It does in the OP's scenario:

I never knew "Named Driver" means your insured under that policy. I thought it was simply a convenience thing in case there was an accident. In fact now that I think of it, I don't know what i thought it was:o

neris

Was it another car you overtook?

pablo128

Be careful. My policy covers me to drive other cars, but not my spouses car. We are not married, but tbh I'm not sure how to interpret it.

Anyway just so there's no confusion, we are named on each others policy. It has the added benefit of us being insured comprehensively when driving each others cars, as opposed to third party only if we were using the 'driving other cars' extension on our own policies.

So In the OP's circumstances, I would produce the partners policy which he is named on.

cython

Deleted User wrote: »

I never knew "Named Driver" means your insured under that policy. I thought it was simply a convenience thing in case there was an accident. In fact now that I think of it, I don't know what i thought it was:o

It basically means that you are explicitly named on the policy as being additionally covered for driving that car, as opposed to say open driving, or using your own third party extension. As you say, when you think it through any further, the question of "what else could it be?" comes to mind

pablo128

pablo128 wrote: »

Be careful. My policy covers me to drive other cars, but not my spouses car. We are not married, but tbh I'm not sure how to interpret it.

Anyway just so there's no confusion, we are named on each others policy. It has the added benefit of us being insured comprehensively when driving each others cars, as opposed to third party only if we were using the 'driving other cars' extension on our own policies.

So In the OP's circumstances, I would produce the partners policy which he is named on.

If you aren't married they aren't your spouse any more than some random housemate you lived with in a houseshare was. Also some policies automatically cover your spouse without actually naming them as a driver, you should check if yours does.

mgbgt1978

IsMiseJoe wrote: »

He didn't actually issue me a ticket or anything. So what happens now, a fine? Penalty Points? Both?

It's 3 points and an €80 fine for overtaking on a continuous white line. They do not literally hand you a ticket at the time. You will probably receive your notice in a week or so.
As others have said it is easier if you produce your partner's policy as you are actually named in connection with this Car.

TheChizler

Jayde Purple Teakettle wrote: »

If you aren't married they aren't your spouse any more than some random housemate you lived with in a houseshare was. Also some policies automatically cover your spouse without actually naming them as a driver.

And sometimes it says partners. The only way they can know is to check their policy. Play it safe and bring both?

jca

Bring the policy that has you named in it as it will have the registration number of the car relating to the offence. Make sure the Guard puts it in the book that you presented the required documents, they can be very haphazard with these things.

Isambard

your policy covers you to drive other cars (in all likelihood) only where there is no other policy in force that covers you to drive that car. It's therefore your gf's policy that takes precedence imo.

IsMiseJoe

neris wrote: »

Was it another car you overtook?

Yeah it was another car and he was right behind me in a Garda van. Never noticed him. My own stupidity

I'll just bring both policies with me to the station. Thanks for the info guys.

IsMiseJoe

IsMiseJoe wrote: »

Yeah it was another car and he was right behind me in a Garda van. Never noticed him. My own stupidity

I'll just bring both policies with me to the station. Thanks for the info guys.

I'd be interested to know what policy they will ask for or focus on. Would you mind posting back here after the visit?
Sorry for your trouble, it's not nice getting penalty points/fines.

blackbox

Deleted User wrote: »

I'd be interested to know what policy they will ask for or focus on. Would you mind posting back here after the visit?
Sorry for your trouble, it's not nice getting penalty points/fines.

I don't think they will care. They only want to ensure that the OP had valid insurance.

OSI

OSI wrote: »

Part of the wording in Axa's policy booklet on driving other cars for example:

If I'm a named driver on a policy, but don't have insurance myself (I do as it happens)- does this mean I'm actually covered to drive that particular car?

blackbox

blackbox wrote: »

I don't think they will care. They only want to ensure that the OP had valid insurance.

OK, I'm coming around to this "named driver" thing:D

TheChizler

[Deleted User] wrote: »

If I'm a named driver on a policy, but don't have insurance myself (I do as it happens)- does this mean I'm actually covered to drive that particular car?

That's the whole idea behind named drivers. It's an additional name covered by the policy to drive the specified vehicle.

Why else would your name be on someone else's policy?

IsMiseJoe

Deleted User wrote: »

I'd be interested to know what policy they will ask for or focus on. Would you mind posting back here after the visit?
Sorry for your trouble, it's not nice getting penalty points/fines.

Yeah no problem.

OSI

OSI wrote: »

Part of the wording in Axa's policy booklet on driving other cars for example:

No such stipulation in my insurance (123.ie) and as far as I remember wasn't when I was with Axa a few years ago either.

The partner bit is a bit daft unless they mean a legally stamped civil partnership.

Del2005

[Deleted User] wrote: »

I'd be interested to know what policy they will ask for or focus on. Would you mind posting back here after the visit?
Sorry for your trouble, it's not nice getting penalty points/fines.

They won't ask for any. They will input whatever the OP presents and then I'm not sure if it's automatic or the original Garda has to check that the documents are valid. I had to produce a few years ago and the road I told the person in the station I was stopped used a different name on the receipt I got, so I assumed there was a record of my registration being stopped on xxxx road while I'd used its national route name when presenting.

Don't forget to ask for a receipt when you present your documents. Use the policy with the registration and your name on it, less chance of a summons being issued.

Marcusm

OSI wrote: »

Part of the wording in Axa's policy booklet on driving other cars for example:

Axa also excludes cover if you regularly use or drive the car which could easily cover a girlfriend who might not rise to the status of "partner". Being a named driver would likely be indicative of regular use.

EIRE forever

You'll know in 2 or 3 months in the post if he's doing ya or not

IsMiseJoe wrote: »

Think I'm posting this in the right section.

Got pulled over today for overtaking on a continuous white line. Garda told me he'd have to give me 'a ticket' for it. He took my licence went back to his car, came back and told I've 10 days to present my insurance details to my local station, gave me back my licence and let me drive off.
Two questions
I was driving my partners car on which I'm a named driver. Do I need to present my own insurance policy (for my own car which also covers me for driving other cars) or her policy which has me down as a named driver?
Also,
He didn't actually issue me a ticket or anything. So what happens now, a fine? Penalty Points? Both?

IsMiseJoe

Went into the Gardaí today. I brought both insurance policies with me, either policy would have done since they both cover me.

On a side note. They also had my name spelt wrong

IsMiseJoe

Little update to this. 6 months have passed and still no sign of a fixed penalty notice.

A friend of mine told me if I don't received it within 6 months I'll probably never get it. He said the Guard has to log/issue it within 6 months of the date of the offence or otherwise it's invalid. He may have logged it before the 6 month deadline and I could receive it in the future.

Can anyone confirm this?

I was thinking of contacting the Garda Fixed Charge Processing Office and asking them if it's on record but I don't want to jinx myself

bmwguy

IsMiseJoe wrote: »

Little update to this. 6 months have passed and still no sign of a fixed penalty notice.

A friend of mine told me if I don't received it within 6 months I'll probably never get it. He said the Guard has to log/issue it within 6 months of the date of the offence or otherwise it's invalid. He may have logged it before the 6 month deadline and I could receive it in the future.

Can anyone confirm this?

I was thinking of contacting the Garda Fixed Charge Processing Office and asking them if it's on record but I don't want to jinx myself

Keep thinking about it all you like but don't contact them!!

jca

IsMiseJoe wrote: »

Little update to this. 6 months have passed and still no sign of a fixed penalty notice.

A friend of mine told me if I don't received it within 6 months I'll probably never get it. He said the Guard has to log/issue it within 6 months of the date of the offence or otherwise it's invalid. He may have logged it before the 6 month deadline and I could receive it in the future.

Can anyone confirm this?

I was thinking of contacting the Garda Fixed Charge Processing Office and asking them if it's on record but I don't want to jinx myself

In true Irish fashion say nothing. I stupidly crept through a red light at a pedestrian crossing after the people had crossed. There was an unmarked i40 behind me. He pulled me over and read me the riot act, threatening me will hell and damnation. I just agreed with him, showed him my licence, produced my insurance that evening and never hear a thing since. That was 2 years ago.

Akrasia

I was stopped for expired tax once and was told the notice would be in the post. I never received it but was worried that they'd issue a summons or something for non payment of the fine. I went into the garda station to say I had been stopped but never got the fine in the post. The Duty Garda just said 'Well I guess you got away with it so'

IITYWYBMAD

IsMiseJoe wrote: »

Little update to this. 6 months have passed and still no sign of a fixed penalty notice.

A friend of mine told me if I don't received it within 6 months I'll probably never get it. He said the Guard has to log/issue it within 6 months of the date of the offence or otherwise it's invalid. He may have logged it before the 6 month deadline and I could receive it in the future.

Can anyone confirm this?

I was thinking of contacting the Garda Fixed Charge Processing Office and asking them if it's on record but I don't want to jinx myself

It only has to be recorded as an offence within a 6 month period. Notice and charges can be sent out to you within 2 years, as far as I know.

orm0nd

jca wrote: »

Bring the policy that has you named in it as it will have the registration number of the car relating to the offence. Make sure the Guard puts it in the book that you presented the required documents, they can be very haphazard with these things.

we just get them to stamp the back of the cert. they can write what they like in the book then.

Noveight

I was pulled for speeding about 2 months ago. Garda was very sound about it, asked me was I late for an appointment or did I have cruise control. He took my license and wrote a bit in the notebook, handed it back and said just try and watch the speed, lad.

3 points and a fine in the post a fortnight later. It was very much due to me and the Garda was sound in the way he dealt with it, but there'd be no harm in a bit less ambiguity.

jca

orm0nd wrote: »

we just get them to stamp the back of the cert. they can write what they like in the book then.

That's a good idea, did they mind doing that?

IsMiseJoe

IITYWYBMAD wrote: »

It only has to be recorded as an offence within a 6 month period. Notice and charges can be sent out to you within 2 years, as far as I know.

That's why I was thinking of contacting them. Since the 6 month period has now passed, if they have no record of the offence I won't be getting the fine & penalty points and that's the end of it.

challengemaster

IsMiseJoe wrote: »

That's why I was thinking of contacting them. Since the 6 month period has now passed, if they have no record of the offence I won't be getting the fine & penalty points and that's the end of it.

Contacting them and saying what? Here Guard, you caught me overtaking on a white line there 6 months ago I was just checking if you forgot to write it down or not..

:pac:

IsMiseJoe

challengemaster wrote: »

Contacting them and saying what? Here Guard, you caught me overtaking on a white line there 6 months ago I was just checking if you forgot to write it down or not..

:pac:

It sounds ridiculous when you put it like that.