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.

Honestly, you need to be reported to social services. You are struggling & need help which is supposed to be their job to provide that help/support. Can you call them first & ask for advice ?

My colleague did this about 20 years ago (she admits she was young and stupid), Sod’s Law someone ran into the back of her. As she had no insurance she was liable for the cost of both vehicles, a massive fine, court and 7 points on her licence plus it was really difficult to get insured after that . As a pp says they now seize your vehicle in a lot of cases. Please don’t do this.

Sounds exceptionally tough @Alwaystired101 , but driving illegally is just going to bring more trouble to your door.

Engage voluntarily with social services, or CAB, they both with full details of your circumstances and local knowledge might be able to help or signpost you to where you can get help.

If you hear someone use the term 'wankers' and immediately think it refers to you that says everything, no?

Anyway go pick on someone else, wanker.

Dear @Alwaystired101

I just want to say I’m so so sorry you’re going through this really difficult time.
Theres some good advice on this thread. Please don’t leave the thread - you sound lovely and hopefully someone will come up with a good idea. But please don’t drive without insurance.
Keep looking for the best deals - a number of people have mentioned Acorn insurance.
Make sure your annual mileage is really low - like under 7k miles (assuming that’s possible)
Can you keep it off road somewhere? these will help to lower your premium. Keep trying different companies as premiums go up if you don’t shop around. They don’t reward loyalty.

I would try emailing the school and also Social services regarding your circumstances. Then you can make sure the wording and circumstances are outlined in exactly the way you’re happy with. There’s a possibility someone lives nearby they may be able to put you in touch with who could do a few days lifts whilst you continue to look for a solution.
Am assuming the car insurance is incredibly important as you can’t work without it in addition to school. Can you cut in any other areas? Cheaper phone/ heating/ council tax sole occupancy/ rent pause for a month or two?
Do try not to be anxious about SS - hopefully they will help you.

I’m just so sorry OP for everything you’re going through including your bereavements and I genuinely hope you reach a solution soon.
xx

@Alwaystired101 this is a really good idea.
https://www.parliament.uk/get-involved/contact-an-mp-or-lord/contact-your-mp/

Op that just sounds so tough. Could you not move into your mum's house so the kids are closer to the school?

I totally get why you wouldn't want to move them schools when they've already had the upset of loosing their Dad.

How old are the kids? If they are primary I'd probably try to move them after summer.

Thanks, yes I understand that. My point is kids are back in school today, does she have at least enough for one month's insurance. Then sort UC for next month.
I take it then when UC is sorted she can pay as before.
The fault is UC, can't they give her an advance if she goes to a Job Centre?
She needs £70 as an emergency. Use food budget and go to food bank?

It's not just getting caught. What if you caused an accident and the victim could never work again. They could sue and you lose your house if not insured.

From experiance, mum was in an accident, and will never work again. Determined she was not at fault in any way, shape or form and - even with plentiful evidence and enhanced personal injury add ons the inusrance companies dont pay out. they'll give a small ammount towards the cost of the car and refuse to do anything else. They did that to my mum. depsite every I dotted and every T crossed. I have no faith in insurance anymore. its expensive bullshite.

I can sympathise with the money issues
both me and oh have decent jobs but over half term absolutely no money , credit cards maxed, overdraft maxed

we are not in any way extravagant or misused money , people owe us significant sums and are crap at paying us , lucky our kids are hermits and didn’t want to leave the house but I’ve never felt so shit about what a shit half term they have had

home school for a while ask the school for work
school may give you money for insurance as they have hardship funds for uniform food etc

sorry this is shit but things will get better

Sorry you’re in this situation OP but driving illegally is not the answer, imagine you are involved in an accident? The other driver would be impacted massively and you could be arrested, it’s not worth it.

I think you need to speak to social services/the school about transportation to the school.

Pretty sure if you drive your children around in an uninsured car that would also count as neglect!
Take the better option OP and don’t break the law

How much better do you think you situation will be if you have an accident while uninsured

Did the DCs get to school today or are you still on HT?

£70 a month sounds extortianate unless you have made claims? Look at the comparison website - you should get a better deal than £840 a year.

Why would you raise a complaint with the governors? School are taking the correct course of action. It is neglectful to not take children to school....

But she has good reason and has explained why. I would raise a complaint. Schools are forever telling parents that family events/bereavement/needed holidays that can only be taken when prices are cheaper are inadmissable. It really doesn't matter if a child misses a few days schooling. When my late DH died my great-nieces' school said that a great-uncle was not a near enough relative to miss a day in school for his funeral - what gave the school the right to define what a close relationship is in someone's family? They came to the funeral.

You can't drive without insurance, don't even consider it as a viable option.
How do you normally travel to school? Is there public transport?
Do you have any support?

I think if you can show that you have tried to get a closer place then it is the council that are failing to provide education not you.

Contact local citizens advice for budgeting help.