mislead

[jonnysmith/1]

3rd driver on policy driving got stopped, searched, producer, normally my insurance carries over to the next year as its normally paid for up front. no renewal letters sent to the policy holder just a call reminding him that insurance coming to an end, so policy holder tells insurer to renew it as he didnt have bank card on him he told the insurer to put it on and he complete payment day after, insurer agreed so as far as i knew i was covered, turns out i wasnt as the police told me i wasnt when they stopped me. spoke to motor lawyer he told me theres a special reasons case here. i dont know if hes just after my money or is it legitiment? any answers welcome

[harryt]

I work for an insurance company, and i have never heard of an insurer setting up cover without payment either in one go, or wthh bank details.
Most Insurance companies calls are recorded now so ask for the recording, you may then be able to take it further.
I know that the company that i work for, you can not physically issue cover without payment.
Were you read any declarations ?etc, confirmed that you had entered into a contract in uk law etc etc?

[New Judge]

No Insurance is an "absolute" offence. That is, you either have it or you do not, and it is absolutely your responsibility to ensure that you do. This must usually be done by seeing a valid certificate of insurance that covers you to drive the vehicle in question.

You did not and so should plead guilty if charged. You can offer your story in mitigation, but it is unlikely to cut much ice.

[jonnysmith/1]

but if im not the main policy holder i wouldnt be imformed so i wouldnt know, how many people know exactly when the cover runs out, escpecilly when its out by 2 hours

[jonnysmith/1]

harryt do you know if it would be easy to get recording from insurance companies? because thats what i intend to do

[harryt]

Yes , you just need to phone them, give them the date and rough time, and if you can remember who you spoke to.
They will be pretty reluctant to do this as it takes Hours! and i mean hours to find calls and listen to them, but if you just tell them your circumstances this should push them along a bit.
If you are not the policyholder, then you will probably not be entitled to the information due to data protection laws.
Just give them a call and see what they say, whether you will be successfll or not who knows.

[jonnysmith/1]

thanks harryt

[NORMANTHEDOG]

this is the other idiot darkatar under a different name,2 or 3 posts down from this one

[jonnysmith/1]

norman who are you crawl back into whatever hole you came out of you loser dont you have anything better to do then come on net and talk useless jibberish. p.s dont bother replying cus you wont get 1 bk

[bednobs]

out of interest, why did the police stop you? they dont usually go round just randomly stopping people

[jonnysmith/1]

they told me i was on my phone. ironic thing is i didnt have my phone on me that night

[bednobs]

also, you can ask as many times as you like, under different usernames, or with different info (ie 1 hour out of date, 2 hours out of date) the facts are still the same: you drove withut insurance and it is YOUR responsibility to check you are covered even if you are not the main policy holder, so you will be fund guilty. Sorry if its not what you want to hear.
Also, i took you at face value when you said "ANY answers welcome" didnt realise you actually meant any answers you agree with welcome!

[New Judge]

Thanks, NORM. I'm not quite as astute as you.

I think the questioner must believe that if he asks the same question enough times he will eventually get the answer he wants. Quite how he imagines that will stop him being prosecuted is another matter!

Just to address (for the last time) one of the issues raised - no, jonnysmith (or whoever you are), you would not necessarily be told when cover runs out. That is where your responsibility for this "absolute" offence kicks in. It is your job to ensure you are covered - and you clearly did not.

[factor-fiction]

My first thought on reading this question was that this is darkatar with now a third version of the events leading to his charge of driving without insurance. It seems others think this is the case too.