No insurance nct or tax

gavincfc1990

A friend of mine was stopped with no insurance nct or tax on a car.now she is insuranced on another car.what will happen when she go's to court and it is a first time offence.points fines??

celica00

pretty bad situation to be in. She should definitely consider a solicitor, possible ban of the road for at least 2 year might occur etc. Could be wrong about the band or length of it, but this is a serious offense.

manonboard

It will depend on the judge and reasons OP. I was in a court recently for a insurance mix up (simply a paper work mix up), and lots of people there were summons for the same as your premise in the OP. The ones who were literally stuck for cash, or had some great geniune reason were treated well. A fine etc. The one's who were just being careless got some bans and larger fines.

It is treated as a serious offense given that it steals from the state, and also pushes risk of cost onto innocent people. It's fair enough.

gavincfc1990

manonboard wrote: »

It will depend on the judge and reasons OP. I was in a court recently for a insurance mix up (simply a paper work mix up), and lots of people there were summons for the same as your premise in the OP. The ones who were literally stuck for cash, or had some great geniune reason were treated well. A fine etc. The one's who were just being careless got some bans and larger fines.

It is treated as a serious offense given that it steals from the state, and also pushes risk of cost onto innocent people. It's fair enough.

I agree with you very much and thanks for the reply

jinkybhoy

Did she advise current insurer that he has a prosecution pending? If not insurance will be invalid.

thelad95

Was her other insurance an open one that covers her on other vehicles? That might lessen the blow a little although no valid NCT would essentially nullify that as well.

joeguevara

jinkybhoy wrote: »

Did she advise current insurer that he has a prosecution pending? If not insurance will be invalid.

How can they advise current insurer if they don't have insurance? Similarly how can insurance be invalid?

jinkybhoy

joeguevara wrote: »

How can they advise current insurer if they don't have insurance? Similarly how can insurance be invalid?

question on proposal with new insurer - have you any or any pending claims / convictions? She knew she might be getting an endorsement so would needed to have disclosed this to any new insurer.

It invalidates your insurance if you don't disclose a material fact.

jinkybhoy

joeguevara wrote: »

How can they advise current insurer if they don't have insurance? Similarly how can insurance be invalid?

she NOW has insurance after been caught driving with no insurance or nct.

MarkR

joeguevara wrote: »

How can they advise current insurer if they don't have insurance? Similarly how can insurance be invalid?

She was insured on another vehicle.

jinkybhoy

MarkR wrote: »

She was insured on another vehicle.

My reading of OP is that she had no insurance when incident happened and since that has got insurance - hence my point about did she advise her insurer of the incident when she was going on cover with them.

B-D-P--

very surprised and quite happy there isn't the "serves you right" brigade in.

Back you your question, definitely get a solicitor, the judge may say first time, big fine and points, but could also sway the other way and licence taken off your friend for 2 years.

Insurance on another vehicle wont cover you here,
Some policies have driving of other cars, this only works if the other car is of road worthiness, meaning the other car needs tax and nct to be covered on the policy, failing to have these and you don't have cover sorry to tell.

joeguevara

jinkybhoy wrote: »

My reading of OP is that she had no insurance when incident happened and since that has got insurance - hence my point about did she advise her insurer of the incident when she was going on cover with them.

It reads to me that she was insured already on another car, but it is confusing. I don't think you would have to inform the other insurance company mid term. But it needs clarifying.

LollipopJimmy

thelad95 wrote: »

Was her other insurance an open one that covers her on other vehicles? That might lessen the blow a little although no valid NCT would essentially nullify that as well.

My renewal came this morning and while checking this it states I can drive any vehicle with the permission of the owner and once it is in a roadworthy condition. No mention of needing NCT. And once it wasn't mine or hired under a hp or lease agreement.

Check the policy, most insurance companies used to insist on the vehicle being insured but this is now not a requirement for most. I did see a guard being torn asunder by a judge because of this before, he had a girl up for driving her friends car without insurance and he told the judge the car needed to be insured for the open drive to be valid, judge read the policy and said it wasn't stated there and laid into the guard for wasting the courts time. I unfortunately got points and a fine for driving on the phone

The no NCT and tax would still stand though

Atlantic Dawn

Are you sure she doesn't have driving other cars option on her own policy? If the car was not owned by her and she had driving other cars extension on her policy then she would be covered, the NCT and tax is another story.

jinkybhoy

Maybe OP could confirm if she had ANY insurance in place at the time she was stopped? Then we could give more accurate advice.

nuac

Mod
Sorry, some breaches of the legal advice rule here
Consult a solicitor who appears in the court for which you are summonses
Thread closed