to want to kill my DH

[kittycat37]

I am

Today I used DH's car.

I was pulled over by the police and told that the car had showed up as uninsured.

Totally I stammered that it definitely was insured, must be some mistake etc etc

No, it WASN'T FUCKING INSURED. DH had cancelled premium 10 days ago, was wanting to find a better deal, did not tell me, FUCKING FORGOT

The car was seized, I was issued with 6 points - MY LICENSE HAS ALWAYS BEEN CLEAN FOR THE LAST 12 YEARS SINCE I BEGAN DRIVING. We have a whopping fine we can't afford.

Worst of all I'm devasted that this might come up in future job interviews and affect my chances. Let alone the horrific thought of what might have happened had there been an accident.

He's at work now. Keeps texting 'sorry'.

I don't think I can forgive him. I'm absolutely completely furious. Dont' tell me IABU because I know I'm not. I wish I'd never married him. TWAT.

at Catkins - glad there's an explanation for your previous posts!!

OP what a bloody awful situation for you. YANBU for being furious, of course, and you've been very reasonable in talking to your DH sensibly about what's behind this.

As someone else suggested, specialist motoring laywers often give half an hour free telephone advice. It would be worth doing this to hear their opinion. I think you would have a good chance of getting a lesser penalty in court, and I agree that the police are not likely to give you impartial advice.

I don't think you would be trying to wriggle out of it by going to court - I think you would be putting the (unusual) facts before a magistrate and letting them decide. That's not wriggling out of anything, IMO.

Good luck OP, and I hope things look up for you.

Catkins, apology accepted (on DH's behalf)

You have to pay over £150 to get the car back plus prove insurance, plus £20 odd a night for as long as they keep it.

Those points play havoc with the insurance premium I thougth my car was insured to, it wasn't!

Six points totals more than 500 extra on my car insurance.

You cant get away with it at all, you have to pay for the car to be released that is going to cost the longer you leave it the more it costs, they only keep it for x amount of time before crushing it.

YOu can pay on installments for the fine, mine was £150.00.

UPDATE:

Talked to a solicitor today and showed them all my documentation and polices' etc

Turns out I AM / WAS covered on DH's car - NO OFFENCE COMMITED, terms of my insurance means that the fact that DH's policy had lapsed had nothing to do with the fact that I WAS COVERED.

The police, it turns out, in the words of my new hero, the solicitor were talking 'utter baloney'.

Apparently this is their most common cock up with car insurance and it always gets thrown out of court.

And because I was covered, my husband has not commited any offence either, even though his policy had lapsed (reinstated now of course).

I am flipping OVERJOYED.

I have to go to police and present them with all the stuff. If they refuse to drop charges I have to go to court but solicitor says it will be thrown out and police will be liable for all costs.

So thanks so much for all those who encouraged me to seek legal advice. I had a hunch all was not right with what police said - partly because of the contradictory stuff they said.

Solicitor said it is now a fairly major problem that police have to act on vehicles that come up on database as 'uninsured' even if the driver has another policy which means that they ARE insured.

I won't fully relax until it's completely settled but I feel a lot better. So does DH.

Ironically, had his policy not lapsed, my policy would not have covered me (How weird is that?) However, had his policy not lapsed I would never have been stopped in the first place.

Queenofthenight and all the others who advised getting legal advice THANKYOU

AF - I'm still a fan of yours, but on this one you were wrong. Even if you were right about the emotional stuff.

DH is now going through all insurance policies with a fine tooth comb in slightly OCD type manner (poor sod will take a long time to recover from my wrath and the shock)

I will hold my hands up, kitty

I was so obviously wrong.

I am glad all is ending well, as I'm sure you realise that is what I wanted for you x

Good for you !!

< files away for future reference >

What a relief for you.

This is what I don´t understand-usually you are given time to take documents in to the station.

Diddl - I probably wasn't clear - have been given 7 days to produce documents but fixed charge is as described if decided not to take it to court

Thanks AF x

Hurrah!

Hope it gets thrown out soon, and you can crack open the cava.

Oh my Lord ... YANBU ...
I had something very similar about a year ago on the way to take DS swimming.
Pulled over by the police and told the car was showing as not insured. I knew it was because I had gone through the usual procedure of checking cheapest quote etc. and then DP had arranged insurance. ie. pulled up saved quote and paid the premium.
To be fair the police were very nice although in order to make sure we were safely off the road we moved to the car park of the swanky hotel where the swimming lessons were held .
It turned out that the details on the insurance were all for the car I was driving but with DP's old registration - ie. black VW Golf but registration for black Mercedes.
Now given that I couldn't tell you what his registration was I couldn't possibly have been responsible for suck a f**k up ... but to this day DP maintains it was somehow not his fault.
They let me off and I sorted the insurance as soon as I got home and continue to make sure I do it myself now - he still has baby brain methinks !!!
I'm so soryy you had to go through this ... I was mortified and terribly upset and angry and I got let off.

Have you asked the solicitor about suing the police for wrongfully depriving you of your car ?

Excellent news. Glad I wasn't talking rubbish -which makes a change!

So you won´t have to pay anything because you can produce documents?

I can see why the car was "flagged", but it´s often the case that drivers can drive other cars with permission, isn´t it?

Been following this and pleased to see a positive outcome, its a lesson for us all that the police don't always get it right and its well worth checking everything independantly.

Having said that I still can't understand how someone can cancel a policy before arranging a new one but I'm sure you've had that conversation

Phew!

Shows how necessary independent legal advice is though. The police who pulled you over said you had no defence, and later on the police at the station looked at your documents and still said you'd committed an offence. Thank goodness for the solicitor.

I'm overjoyed for you kittycat - when I first came across this thread I felt awful for you. I know how sick to the stomach I'd feel in your situation. I'd feel terrible enough having points on my license for something that was my fault and that many points for something I couldn't have known would be even worse.

A few months ago I was driving to Wandsworth on the A3 and went through a new speed camera at about 35mph that was just before the speed limit changes from 40 to 30. Since they like to put speed cameras in just after they change the speed limit I was convinced that I was wrong about where the speed limit changed and I was going to get 3 points on my license. I felt terrible all day until I got home and was able to look up where the speed limit changed - I still wasn't happy until the 14 day period was up and I was sure that I wasn't getting done for it.

What brilliant news! I'm genuinely pleased for you - when I read your post this morning I thought how absolutely gutting that would be, with such expensive and embarrassing consequences from something that was no fault of yours. I'm so glad you got legal advice and sorted this out!

Excellent news..and you can bet he won't forget his insurance again.

Really sorry about my posts, I missed the rest! Sorry had not realised how old it was.

Glad you managed to sort it all out. Good news!

Very interesting! Wow!

It all does make sense now....

Well done, your DH can go out and buy you a HUGE christmas pressie now, for your near heart failure!

Really delighted for you, Kitty. What a relief!

Well done. Good to hear it turned out like this and that you are both ok.

Thanks y'all xx