Caught driving without insurance, twice

[FitLime]

Not me. A friend. What are the chances she will lose her license?

Very high luckily.

Thankfully extremely high, your ‘friend’ deserves everything they get

6 penalty points per offence iirc. So yes I would speculate likely to lose licence.

Hopefully a very good chance that she will.

I agree by the way. I hope she does. If she'd taken my kids in the car I'd have gone ballistic. It ran out in September, this time. Last time, about 2 years ago, she'd been driving without it for around 8 months.

She'll lose her job if she loses her license and she's already in dire straights. I've lent her money in the past but I have refused to for a few years.

She is also due in court next month for her DDs school avoidance.

She leans on my heavily for support. I just wondered how bad things are likely to get. I am half expecting her to end up in jail.

I hope she does. Imagine being involved in a collision caused by the other person, who is uninsured. Your car is a write off - you are injured - can't claim as they have no insurance. You claim on your own insurance, lose no claim bonus, premiums go up.

I totally agree with you Silvery. It's wrong on so many levels. Once is barely understandable. I told her last time to put a note in her calendar for the renewal. Twice is just unforgiveable.

Having been hit by an uninsured driver who went through a red light l hope she is heavily penalised. My premium shot through the roof due to the 'no fault claim' so they agreed not my fault but has no one else to claim against!

Hopefully, yes, she'll lose her licence.

I'm sorry to hear that GoGo.

It's much worse than car insurance rates. What if she hits a pedestrian they end up paralyzed? They don't have insurance to claim on, they can sue but your friend has no money.

I wouldn't be on speaking terms never mind lending money.

I was uninsured (completely unintentionally) for a month last year. I took out insurance, filled in all the info online, set up the date and wanted to pay monthly. I'm not sure how/why/what happened but the direct debit didn't start and when I checked my bank statement and saw a payment hadn't been made I called them and they said the policy had been pending and I wasn't insured. I was mortified! Going to be triple checking next time I renew or change the policy.

Her insurance company will have written to her, she's not forgetful she's deliberately choosing not to bother.

Insurance doesn't just 'run out' though, it is one of the few contracts that auto renews.

At the end of the policy, the insurer will send a renewal notice, taking the car out onto the road constitutes acceptance of the offer and a new contract is formed.

There's more to this than she's telling you...

Ours doesn't auto renew & we choose that option if there is one so that we can look for a better deal. One year we didn't get the letter from the insurance company and our insurance lapsed briefly. Now all the dates are in the diary.

She's moved around a lot. She would not have thought to set up a redirection. She never has any money. That's what happened the first time too. It's no excuse. You know when these things are due, especially if you are broke. And if you don't know you diarise it.

Insurance doesn't just 'run out' though, it is one of the few contracts that auto renews.

some policies auto renew.

Definitely, let's home they don't then go onto drive whilst being suspended.

Don’t lend her any more money.

www.gov.uk/vehicle-insurance/driving-without-insurance

Did they seize her vehicle?

A relative got caught driving with no insurance, they took the car to a pound where fees started at £250 then a penalty added per day. Nobody would bail her out and she lost the car.

She got a £300 fine and 6 month ban, first offence. If it is a second offence it could be worse.

Yes, both times they seized her car and charged her a lump sum plus a daily fee.

I haven't loaned her money for a few years and am resolute about that and she knows it (we have know each other for 18+ years).

She is also due in court next month because her DD has missed about 8 months of school and still misses school some days. I suppose she will get a fine for that, but if she can't pay then what...

Not all insurance policies auto renew. DH was briefly uninsured last month because his insurance ended and didn't auto renew. They did send him a letter - 2nd class over Christmas, didn't arrive until a few days into January, saying dh needed to actively renew his insurance. The insurance had ended 4 days before the letter arrived. Dh was furious.

However it sounds as though your friend is doing this deliberately. I would stop trying to support her

Why are you her friend?

Luckily in Australia CTP (compulsory third party) is part of registration. So if you get injured in a car accident, no matter whose fault it was, you are covered for medical expenses (unless the other person was driving an unregistered vehicle, very unlikely as they would have been pulled over by a cop within days).

Would you still be her friend if she was walking down the street randomly firing a loaded weapon? She might not hit anyone, but equally she might do.
That is exactly what a vehicle is, a loaded weapon that can injure, maim and kill.
That's why most people have insurance, yes it's an expensive ball ache, but a necessary one.
Moving address is no excuse as she is supposed to notify the insurance so her details can be adjusted accordingly.
She has NO excuse for driving uninsured and I hope they throw the book at her.
If she can't afford to run a car, then she should have sold it rather than borrowing money.
Her tax and m.o.t had probably expired too.
Did I say she has NO excuse for driving uninsured?