Mistakenly Driving Without Insurance

Question:

I insured my car online with 1st Central Insurance on 27 February x, paying a deposit of £223, which I have proof. I received an E-mail instantly saying that my policy was ‘In Force’. 2 weeks later I was stopped by Police, to find out that I was uninsured.

I made a mistake on the keyboard of my laptop and put in 27 March instead of 27 February. A simple mistake. Why would I pay a big deposit & wait a month to drive? I have written a letter to the court about this. I am facing a £200 fine and 6 points on my licence. Is it worth taking to court?

Paula Says:

I understand what has happened. You have two choices. Take the ticket and the points and get the matter over and done with, alternatively ask for a court hearing and try and persuade the court not to impose the points.

You will need to make a special reasons argument at court and I will be happy to assist in that regard. The argument is not easy and most people who try will fail. We have a 75% success rate and I think you have a good argument. If the court agrees then you will avoid the points and hopefully they will agree to give you an absolute discharge rather than a fine.

Your argument is based on the fact that you were driving under the genuine misapprehension that you were covered and you have a good chance of succeeding.