No Insurance, New Driver Revocation Risk

Question:

I was stopped by the police whilst driving my girlfriend’s car (with permission). At the time I believed I was insured to drive the vehicle as both myself and my girlfriend had misread the insurance policy on another car we own. I am a named driver on the other policy.

I am a new driver and subsequently, this offence has caused me to get 6 penalty points and therefore my licence will be revoked.

Would it be worth defending this in court? I now recognise that I had no valid insurance but genuinely believed I did. Is there a chance that I could accept the penalty points and fixed penalty notice but challenge the revocation? Thanks.

Louise Says:

You cannot contest the revocation – its automatic if you get the points I’m afraid.

The only thing you can do is challenge the points in the first place. You have a potential special reasons argument on the basis that you were driving under the genuine misapprehension that you were insured at the time of the alleged offence.

The court has a discretion not to impose the points if they agree.

You would have to reject the fixed penalty offer and ask for a court hearing in order to try and avoid the points. We help around 75% of our client make this argument successfully. Come back to me if I can help further. I help almost 90% of my new driver clients avoid revocation.