- Joined
- Nov 6, 2007
- Messages
- 13,663
- Location
- North Oxfordshire
- Car
- His - Denim Blue A220 AMG Line Premium / Hers - Obsidian Black R172 SLK55
Driving without insurance is an absolute offence, i.e. you are either insured or not, and if not - regardless of the reason - you are guilty of the offence. Also, unless there are Special Reasons not to endorse that are accepted by the Court then the minimum sanction is 6 penalty points which will lead to licence revocation.Well of course you should not drive around without insurance,but I think this young girl had better get some legal help at the court,she needs to get the penalty down to 3 pts then at least it is not a complete disaster.
The best possible position would be if the young lady in question could persuade the insurance company to confirm that she was, actually, insured to drive when the alleged offence was detected. This may be possible if, for example, the insurer did not follow their own procedure for giving notice of cancellation.
Alternatively, she may avoid sanction if she can convince the Court that she was unaware that the insurance policy had been cancelled and was therefore driving with the reasonable belief that insurance was in place. The likelihood of this would be low if the insurer has followed their published procedure for giving notice of cancellation, and doubly unlikely if her bank had also informed her that a Direct Debit payment to the insurer had been declined due to lack of funds. However, if the Court can be convinced that she had the honestly held belief that insurance was in place at the time of the alleged offence then it may be accepted as a Special Reason not to endorse her licence.
The final option is that she persuades the Court to impose a short ban (disqualification) instead of the penalty points. This would avoid the need to re-apply for a Provisional Licence and take her test again, but from what I understand would take both a very well-argued case and a sympathetic Bench.
Bearing in mind that she is apparently under some considerable financial pressure already, it would seem that her paying for representation is unlikely, so the most likely outcome is 6 points and revocation of her licence. Unless she really didn't get any notification that her policy had been cancelled in which case she needs to be engaging with her insurer's formal complaints procedure straight away.