Quizzes & Puzzles1 min ago
Vehicle Insurance – A Question For New Judge
As a magistrate, what is your verdict in my hypothetical case outlined below?
Appearing before you, I have been charged with driving without insurance.
The facts are as follows; I renewed my annual vehicle insurance (by phone) with my current provider and received confirmation that the policy had been renewed by e-mail – with the insurance premium paid by credit card, with the payment going through at the time of the phone call.
A few weeks later I was stopped by the police, charged with driving without insurance and the vehicle impounded.
Unbeknown to me, my insurance company had made a mistake in the premium payable for my insurance cover – and wanted an additional £150, otherwise they would cancel the policy.
My insurance company had sent me an e-mail outlining the above, saying that they had made a mistake in the premium payable and that if the additional amount was not paid within 7 days they would cancel the policy. Unfortunately the e-mail ended up in my junk folder and I did not see it.
So despite having paid the agreed insurance premium, my insurance company unilaterally voided the cover, due to a mistake they made.
In the above scenario would I be found guilty of driving without insurance, having no knowledge of the insurance I arranged and paid for, being cancelled due to a mistake made by the insurance company?
Appearing before you, I have been charged with driving without insurance.
The facts are as follows; I renewed my annual vehicle insurance (by phone) with my current provider and received confirmation that the policy had been renewed by e-mail – with the insurance premium paid by credit card, with the payment going through at the time of the phone call.
A few weeks later I was stopped by the police, charged with driving without insurance and the vehicle impounded.
Unbeknown to me, my insurance company had made a mistake in the premium payable for my insurance cover – and wanted an additional £150, otherwise they would cancel the policy.
My insurance company had sent me an e-mail outlining the above, saying that they had made a mistake in the premium payable and that if the additional amount was not paid within 7 days they would cancel the policy. Unfortunately the e-mail ended up in my junk folder and I did not see it.
So despite having paid the agreed insurance premium, my insurance company unilaterally voided the cover, due to a mistake they made.
In the above scenario would I be found guilty of driving without insurance, having no knowledge of the insurance I arranged and paid for, being cancelled due to a mistake made by the insurance company?
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