It is easy to be in default of the motoring offence of driving without having any insurance protection however is not difficult to comprehend why you need to keep yourself from breaching it at any cost if at all possible. Just because you may have a car insurance policy in position you shouldn’t assume that this necessarily covers you with regard to the vehicle that you are driving and/or the purpose for which you could be driving it. I will now have a short look at this further and give an illustration or two.
As a domestic homeowner it isn’t beyond the realms of possibility that you get pleasure from a little bit of maintenance around the home and you may well be great at it. In addition, your nearest and dearest and / or those who live close by have seen for themselves that you like to carry out such work and are effective at it. Indeed, it could well be that any one or even more of these individuals might every now and then ask you to do some work for them and so as not to offend you they pay you money to pay for all your time and energy. Picture the following: you could be driving merrily back home from what has become your favourite local store of home maintenance stuff having collected some things to assist a relative with a task they need completing but you are stopped by a member of the local constabulary – you tell the police that you’re protected by insurance but unfortunately having admitted that you’re doing fee based work they check out the position via their database and it is shown that you are definitely not covered in respect of commercial use – it’s very possible that they well charge you for the driving without insurance offence pursuant to s143 Road Traffic Act 1988.
On the flip side you may have previously been informed that you are fully insured from your car insurance broker and also have the email sales receipt to evidence it but as soon as a crash comes about you are then told that you are absolutely not insured after all and also that, by the way, your policy was cancelled on a earlieroccasion. You don’t have any alternative temporary car insurance cover in force. You have committed a driving offence. The real injustice in this case is actually clear to any and all of us you would think.
In the event, however, that you haven’t been actually driving for too long and so also happen to be a young motorist you would of course be considered as being in an unfortunate category of new driver that carries with it increased risks. Of course they can factor this in to a large degree by adding a high premium but they might prefer certain safeguards in place particularly if you are buying via the internet.Additional evidence they will ask you for could be verification of your claims history and proof of vehicle ownership i.e. correspondence confirming no claims bonus and your V5C vehicle confirmation certificate. The process via an online system will generally be that you progress through the quotation system, affirm your details, are charged a certain amount and are also then told that you have cover with the precondition of you providing the agreed documentation. The dilemma here is that your no claims evidence is then completely within the gift of your former insurer (if any)
The challenge that then comes up of course is that it is not really within your influence and command as to how much time it may take your earlier insurance company to send the appropriate written documents in the appropriate format through to you and your best attempts might be to no avail. Precisely what will happen if you do not manage to get the notification to send on to them on time? Your brand-new insurance company might well be wanting to void your insurance cover. In any event, the insurance broker could very well have looked at the pc verified quotation and awakened to the fact that you ended up being way too high a risk and so they may want to get rid of you anyway. And they may possibly say that they notified you of contract termination yet you have definitely not actually ever seen this. Please do not presume that this is an impossible circumstance because it is certainly not, particularly when it comes to younger motorists who account for a large percentage of claims these days – you have to do all of the documentation legwork because the brokers do not appear to want to.
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