no insurance

[dodgydave]

**** bollocks arse **** **** shit bollocks **** shit arse bollocks **** arse **** shit bollocks! :(:(:(:(

in dec i had a vw beetle. was given a 7day wonder and thought i had insurance but when called for duplicate cover note i was told i wasnt insured!!!!! the bastards! :tosser: :finger:
it ran out over christmas and they didint tell me as post didnt come due to ****ing christmas, so today i have a summonds to go to court but i am shitting myself as what do i expect to recieve?????:confused:

any help or guidance muchy needed, friend in need dave.
:confused: :thumbs:

[marty_t3]

Afriad it probably gonna be 6 points and a few hundred quid fine mate.

I don't think they care if you have a legit reason for not being covered .... there were 2 cases in the my local paper last night where folk have been caught without insurance.. one got a 150 quid fine... the other 300 (but he had no mot either). The 6 points i think is pretty standard (though be nice in court... the judge can ban you if he doesn't like the look of you)

[Pauly_Boy]

only £150 fine!!

Thats why peeps don't even bother getting insurance, stupid punishments!!

Can't you get your insuarance company to say there was a cock up?? Just shows how tight cops are!

[arry]

its the 6 points that hurt more :(

I had an IN10 which has just come off my licence, expect to pay about 45% loadings on your insurance for 3 years due to that one :(

45% on an 18 year olds insurance (as i was at the time) is NOT pleasant! believe me

[Pauly_Boy]

So you pay £1000 insurance and then with the points u pay £1450??

Tight!

[arry]

Originally posted by Pauly_Boy
So you pay £1000 insurance and then with the points u pay £1450??

Tight!

yeah thats the idea... although i was paying a bit more than a grand at 18 (due to my tendencies for fast(er) cars ;) )

and that lasts for 3 years before the loading goes down a wee bit... after 4 it comes off (fank fook!)

[gunny bedford]

When you go to court take all the documentation you have, ie any previous insurance docs you have for the vw and the letter you recieved from the company stating that the insurance had lapsed. In doing this you want to be able to prove to the magistrates that you have always previously insured the vw and that you have a steady history of insurance. I dont know how close the dates are between the insurance lapsing and the issue of the HO/RT1, but hopefuly if they are close tell and show the magistrates with the aid of the docs that you honelstly believed that you were insured, but because of the christmas festivities you did not recieve anything from your insurance company until it was too late. If you are not using a solicitor you are fully entitled to defend yourself in magistrates court. Dont be daunted by it, normally there are not many people in the court a bench of magistrates 2 - 3, a court clerk (who really runs the place !) a CPS solicitor (the one that is doing you !!) and any defence you have. Its rare for any public to be there or press !! The CPS may bring along the police officer who issued you the HO/RT1, believe me they are most probably as pissed about being there as you are, the CPS cart them along to confirm that you were issued one, and to make sure you cant make any dodgy claims about not being there/the person who the HO/RT1 was issued too. However if this is a straight forward not producing insurance/ not having insurance they may not bother. If you are going to defend yourself speak politely to the magistrates, dont swear or use any slang, and speak clearly so that they can understand you. It may sound corny but dress smartly as you can, look smart and tidy. Many people turn up to court looking like pieces of shit, it doesnt help to create the correct impression !! Court is like a big stage, if you look smart, speak correctly and politely and are able to put forward a structered, believable defence, then.... the magistrates will hopefuly decide that you are a genuine person who unfortunately has been caught out by circumstance. In which case they will hopefuly decide upon a small punishment. That may well still be £150 and points, but it is in their power to reduce this is they feel it is appropriate.. it just depedns on who the magistrates are for that day and how you come across really.. Good luck;) Gunny

[SteveCarter200]

All that above isvery good advice, and from a guy that is in the know.;)

[arry]

well i'll tell you how i got my IN10 - and you tell me whether it was justified or not.

There i am, barely turned 18 years old and helping a mate take a gearbox out of a mkII granny. Anyways, the job is finished and he asks me, seeing as he is covered in sh!t, to take the car down off the ramps and park it back in the bay - at which point he was gonna get cleaned up and take her for a test run.

So there i am, pulling a car 8 ft back and 6 ft forward.. when around the corner comes mr plod and he stops up to ask what we are up to. Guess who gets a conviction out of it :rolleyes:

went to court - am im a smart professional worker dressed smartly with a good education etc..... didnt make a damn bit of odds - explained clearly why i did what i did - they say "a crime is a crime regardless of circumstance" and hit me with 6 points, thus making me uninsurable for the preceding year!

Well.....

[Pauly_Boy]

Originally posted by arry
well i'll tell you how i got my IN10 - and you tell me whether it was justified or not.

There i am, barely turned 18 years old and helping a mate take a gearbox out of a mkII granny. Anyways, the job is finished and he asks me, seeing as he is covered in sh!t, to take the car down off the ramps and park it back in the bay - at which point he was gonna get cleaned up and take her for a test run.

So there i am, pulling a car 8 ft back and 6 ft forward.. when around the corner comes mr plod and he stops up to ask what we are up to. Guess who gets a conviction out of it :rolleyes:

went to court - am im a smart professional worker dressed smartly with a good education etc..... didnt make a damn bit of odds - explained clearly why i did what i did - they say "a crime is a crime regardless of circumstance" and hit me with 6 points, thus making me uninsurable for the preceding year!

Well.....

Words can't describe how tight that is!!!

[gunny bedford]

I agree that is crap, it must have been an arsehole of an officer who gave you a producer mearly for taking a car of some ramps, i take it when you moved it you actually went onto a public road ?? i also take it that you had not become a target for the local police due to any "boy racer" type driving skills on the local roads at night ?? i ask that because a producer (HO/RT1) is a good weapon that when properly used can be very useful. in my experience it was used to target known active criminals when caught driving as they never bother about insurance mot etc, and local ring road racers who had over stepped the mark and were actually becoming a danger to other road users !! with criminals the plan it to hit them with as many producers as possible, get them to court loads of time, get loads of points until they are banned and then its game on, as they will continue to drive, but now are disqualified, therefore arrestable if found driving, they do that a couples of times and hey presto !! the get a jail sentence for disqual driving :wave: it was another way to take the local crims out of circulation for a while. As for the boy racers who were becoming a menace to joe public on the roads, the plan was normally to hit them with producers to make them move on, as normally they had the docs but didnt like being stopped and having to go to a police station. Therefore if perhaps you indulged in a bit of midnight racing the officer who stopped you may have recognised you and gave you a producer for the hell of it, which in my opinion still is shit :tosser: He may also have been a probationer, ie in his first 2 years in the job and being tutored. Unfortunately in these 2 years you are looked at very closely for suitability and one of the main things they look at is productivity ie you producing a lot of jobs, therefore he may have given you a producer because at that stage everyone he stopped and spoke to in a car got one, in the hope of getting some jobs out of some of them !! As for the day in court as i said earlier its like a big stage and everyone at court are actors, you can never tell how its going to go, but if you give a blinding performance, you get good reviews :p its better to go to court looking smart and act properly, as it can only give you a better % when the magistrates are sat there in their chamber deciding what to do to you !!:(

Gunny

[arry]

nope :( was a good boy till then, never been pulled (and its not cos they couldnt catch me either if thats what ur all thinkin ;) lol), never been in trouble and never met the copper before in me life

[david_t]

Not new tactics,used to happen alot in the seventies as well.Regularly used to get pulled over in my Ford "Take away".Got a In10 in 1975 because I let my then brother -in-law renew my insurance,was stopped and given a producer,but then failed to check the cover note.Was stopped at 11am but cover note showed cover starting at 12pm. Of course it just looked like I had paid up because I had been pulled over,I pleaded guilty by post £25 fine.It was around a weeks wages in those days,didn't go to court cos I didn't think they would believe me and would load on court costs as well.I always made sure I looked after my own renewals after that.

[Pauly_Boy]

I think its quite good having a copper on the board :)

Your like a fountain of knowledge gunny :)

[gunny bedford]

well thank you,

i am sure there may be a few others lurking around on this board !!

i am glad to help anyone who is a victim of circumstance ie dodgy dave and his ramp escapdes and dave t with his one hour out of cover (you should have ran with that one in court, as long as you produced the docs to support the times. You may have been lucky ??!!)

However blatant no insurances, road tax,mots, drink driving and dangerous driving with joe public around etc cut no sway with me, most people pay lots of money to keep their cars road legal, and normally drive with some consideration to other road users, so why shouldn't others ??:mad:

i dont know everything, and have been out of uniform for some time, so will not be fully up to speed with the latest law regarding traffic offences etc, but i can offer what little help i can provide ;)

Gunny

[dodgydave]

cheers guys for your advice and support.

no one knows an insurance guy willing to take a bribe for a week back dated cover note? pm me lol??

the trouble is i wasnt intendeding it and im not a boy racer, deff in a 1972 bug at the time.

but bmth is hard as lots are and the police always out to get them.

my insurance is already going to be £1800 for my 200sx s13
thats from phil!
so hate what it will be now!

oh well, i just have to bite the bullet on the 1st. of july
let you guys know what happend.

they wonder why people have no insurance then when they dont they up it more.

we need more of a break from the insurance costs, like who wants to **** up their 200sx racing shit cars?!
its not worth lowering the pedal!

cheers gunny!:thumbs:

been told can expect between 6-8 points and upto £5000 fine.

the police officer was new and tutored all through it, the bastard.

that was in january!!!
insurance ran out on 23rd dec and was caught 23rd jan

22nd jan i just recovered from hangover!!

cheers again guys, pleased you are all human on here and not up yourself like most bloody forums.

dave :thumbs: :thumbs: :thumbs: :thumbs: :thumbs: :thumbs:

[Ripper]

Originally posted by dodgydave
cheers again guys, pleased you are all human on here and not up yourself like most bloody forums.



Ooo-err! :D