To drive with no insurance

[Alwaystired101]

Unable to afford car insurance, I've tried to get an extension told no. No family or friends no access to credit etc
I've spent around 6 hours on phone trying to sort out uc payments and I've sent in evidence of my mums death certificate that the money I had from her accounts when deceased went straight to funeral home and how I still owe money on it etc.
I have school run to do we live far away so walking not option and I have bowel issues.
No money for taxi etc so I've informed school and told that it's failure.to provide education will be reported to social if i.do not take To school.
I suffer with anxiety and the thought of breaking the law makes.me.sick and also the thought of being reported to social also makes.me.sick.

Of course, but desperation doesn't equate to breaking the law and looking at prison time if she crashed into someone.

Can you car share with another parent to take child to school ?

Ask at the school

You can pay car insurance monthly

Can you get some short term insurance. I'm
Sure I've seen options for 30 days. Just until you make a plan

If you get caught driving with no insurance your premium will increase so much you will struggle to ever afford insurance.

I was really surprised when a friends boyfriend said he regularly drove without insurance! He'd been doing it for years. It meant that he could never get it mot or taxed. The police pulled him over one day as they were checking licence plates (for insurance). It got siezed and crushed. He had to go to court for driving uninsured, got a criminal conviction and a 5 year ban. I would go to u.c. portal ask for someone to ring you. Explain the situation and how its affected the children going to school. They will help you. Talk to the school about a taxi, they do have a support fund available for special circumstances. Is there a closer school you could walk to? If so, I'd look into moving them closer.

I'm guessing the OP doesn't have the spare down payment / first payment to hand, as you have to pay the first instalment which is usually more than the monthly premium there and then, and then the DD comes out the next month.

Well, you could end up in a lot worse position if you do drive without insurance.
Why were you refused? I was refused by a couple of companies, no idea why, (maybe size of engine and three speeding points?) I went on compare the market and found some that would ensure me.
Even if you did it once to get to school and were lucky nothing happened, its unsustainable. Police cars pick up automatically if a car has no insurance too. If you passed a police car you'd likely get pulled and thats the least of your worries.

Echoing everyone else really. Don’t do it.
If you can’t afford the insurance, then you won’t be able to afford the fine you’ll get when they catch you. It’s all on a database now, and when you drive past a police traffic car it’ll ping up as you’re uninsured. If you can’t pay the fine, ultimately they’ll crush your car. Which you probably also can’t afford to happen.
So you’re better off not driving it whilst it’s uninsured, and living life as if it’s been crushed. Anyway, it’s now a requirement to insure cars on a public road - so unless you declare it SORN and park it on a drive, you’ll need 3rd party coverage at least.

The school would 100% prefer to have every child in school

The school may pay for taxis for a short time or bus or help to find a car share

Please speak to the school today

Speak to Local Authority see what they can do about sorting transport or it might mean a change of school.

Bit ridiculously stupid to drive without insurance. Smash your car and you'll be even more screwed (as well as the issues of being caugh)

why can't you take public transport? How far is the school and how old are the DC?

Just to answer few questions
... I havent driven with no insurance... my options were to drive with no insurance or be reported for neglect and I just felt like absolute crap and needed to let it out so to speak
I have always had insurance and never missed a payment prior to this.
I've had a licence almost 30 years and never so much as a speeding ticket.
I am not.afraid of social services I have one child who is mentally unwell and unable to attend school so used to their involvement but being threatened over what they called "neglect" is completely different as apparently failure to take to school is classified as such.
My medical condition has not been diagnosed however I have had a positive fit test (blood in stool) a colonoscopy last week which I'm waiting for results of biopsy of anomaly. I'm fully prepared for worse case scenario of this.
I stopped work last year to be with my mum and take care or her during her final months at home. She passed 11 weeks ago and school are aware.
School is a 50 min round trip driving..
I have always paid monthly and the 70 a month always paid direct debit.

It would be complete insanity to drive without insurance. You must not do this. You could lose absolutely everything if you were to be involved in any type of incident in the vehicle.

I assume the 4% of people who think YANBU have made an error with voting as no one in their right mind would think that.

How far is school and are you not having access to public transport? how old are the DC?

If you can't afford to pay this month's car insurance you sure as shit can't afford to pay the fines, and get the car released from the compound etc etc if you get caught by an ANPR or get into a bump.

You sound stretched, but the admin and cost involved when this inevitably goes tits up you do not have the capacity to cope with. This is one of those situations where you could make things a lot worse for yourself.

You're already involved with SS, are they the ones suggesting you're in danger of being in a position of neglect of your children?

Sorry for your loss and your money troubles

But driving uninsured would not the solution

Can your children move to a school closer to your home?

What about public buses? Where I live, children get a free bus pass if they live more than 3 miles from school.

Can you move closer to their existing school?

Could they stay with their Dad mid week if he lives closer to school?

School is 50m round trip? Wow is that because you are very rural or due to traffic. If no closer option you should definitely be entitled to school transport

call the school and explain why you can’t get them to school right now, can they help with transport? Any other parents that could help?

getting referred to social services could be a good thing, you are clearly struggling

No getting buses there would not be an option nor would finding out if there's free buss passes as I wouldn't be able to sit on public transport for 2 or 3 hours with how much I leak down there and too young to go alone.
My husband, father of all children died almost 4 years ago x

Being banned or the police impounding your car is one level of potential worsening of the situation, but think about the consequences if you have an accident uninsured, if you injure someone, if you are injured, if the injuries are life changing or worse.

That sounds really tough

Moving closer to school is the only option I can think of

£70 a month seems incredibly high for someone who has been driving a long time, mine is only £150 a year including breakdown cover! Have you checked the price comparison sites etc for a better deal?

It's illegal and what if you hit somome else?

£840 pa, is high insurance. You have 30 years of clean driving, so it suggests you're driving a car in a high insurance group.
If so, you need to change the car. Low tax and insurance is what you need.

You obviously need to change schools then. It's not normal that there isn't a primary school nearby and the closest would need 2-3h on the buses. It all sounds very hard but there are solutions there. You just don't seem to be willing to hear them.

by the sound of it you cannot meet your DC's needs so SS involvement may not be a bad idea. We have SS support (all DC have complex SN). It's not all about catching you out but about putting support in place. I would make a self referral to the local MASH team to get support.