BMW Forums : BimmerForums banner

1 - 20 of 43 Posts

·
Registered
Joined
·
493 Posts
Discussion Starter #1
a few weeks ago i got pulled over, i was uninsured, i knew i wasnt as i was looking at a new insurance policy over the week as we had a disagreement with the old policy. i know i shouldnt have been driving but my friend was stuck in town with nowhere to go and was persistently calling me looking for somwhere to stay. i know i was in the wrong, now what am i looking at, what kind of ban? and what kind of fine.
 

·
Registered
Joined
·
124 Posts
6 points, more if there were other offences committed. Mate of mine was in a similar scenario a while back and also got another 3 points for illegal tyre.
 

·
Platinum BFuk Member
Joined
·
530 Posts
I was done for no insurance (amongst other things:embarrassed) before i passed my test, i was given 8 points and £240 fine, that was about 8 years ago.

It taught me a lesson, when you're trying to get insurance when you've just passed your test and you've got 3 convictions on your license, you get some 'interesting' quotes:hihi
 

·
Registered
Joined
·
704 Posts
Did they impound your car??

Deffo 6 points.

Sorry to hear mate but like you said you know what you were doing the risks etc :( really sucks.

Insurance is something you cant get away with - in my area they have guns in most the cop cars that auto scan the reg plates and it comes up almost immediately and you get pulled. :(
 

·
Registered
Joined
·
616 Posts
6 points 215 pound fine 4 me. points stay on ure licence 4 3 years and on insurance 4 5 years, which also goes through the roof . all in all not good
 

·
Registered
Joined
·
408 Posts
eforty6 - i know its wrong but ive done it too! lol

Ive had a clean license till I got the points. I got 6 points and a £525 fine which rounded up to £600 with the court fees etc. I didnt attend court as I was at sea (Royal Navy), so they just gave it to me in my absence.

My insurance has obviously gone up but im only paying about £650 fully comp with 1 yrs NCB and driving since Dec 2000.
 

·
Registered
Joined
·
63 Posts
many moons ago I got had for 8 points and cant remeber the money it was so long ago, but what I do recall was the pain over the coming years of insurance, so if you got a clean licence and first thing all that stuff, thats how it 'should' go
 

·
Registered
Joined
·
217 Posts
Hope your friend will be doing all the driving for you to make up for it. :thumbsup
Stuck in town with nowhere to go?
No buses?
Taxi?

Surely a quick phonecall to any insurance company would have got you covered with a cover note and on their records? :sarcastic
 
  • Like
Reactions: mikaveli

·
Legendary BFuk Member +1
Joined
·
1,138 Posts
sorry too hear that eforty...but it wouldve been more off a shame if ud hit someone...espacially for the other car as he wouldve had too claim his insurance through no fault off his own:jaw-dropping...as usual..you try do sum1 a good turn and it backfires...:frown
 

·
Registered
Joined
·
884 Posts
For what it's worth, around 1995-1996, I initiated a craze in school of people nicking their own (and other people's) parents' cars.

Unfortunately, I ended up getting caught out by ******* CID and got prosecuted for no insurance and no licence (too young to have one).

I only got 3 points for each offence and fines totalling 300 quid.
 

·
Registered
Joined
·
217 Posts
i was uninsured, i knew i wasnt
Unfortunately, I ended up getting caught out by ******* CID and got prosecuted for no insurance and no licence
Damn those busybodies.
Why can't they leave us alone and go after the criminals.

I got pulled for speeding (100 in a 70) in a mates car picking a lad up who was stuck, wasn't insured. Luckily I was totally cooperative and knew my mates name and address, so pretended to be him and got away with it (there were no comebacks for him either).

Then an NIP came through for 35 in a 30 (me again, same car) but as he sold the car by the time that came through I went to mag's court and told them that I had sold the car before the offence for scrap value and made up a name (which came back as someone who didnt exist. Case was thrown out due to insufficient evidence from the Police.
I'd say the evidence is right here.
 

·
Registered
Joined
·
282 Posts
I got pulled for speeding (100 in a 70) in a mates car picking a lad up who was stuck, wasn't insured. Luckily I was totally cooperative and knew my mates name and address, so pretended to be him and got away with it (there were no comebacks for him either).

Then an NIP came through for 35 in a 30 (me again, same car) but as he sold the car by the time that came through I went to mag's court and told them that I had sold the car before the offence for scrap value and made up a name (which came back as someone who didnt exist. Case was thrown out due to insufficient evidence from the Police.

Pretty lucky really, your options are none existant when you are pulled (unless its insured by someone that isnt you).

Goto the Pepipoo website (google it). Its a forum for stuff like this, they'll try and help you out.
Can't believe you just published that! :hihi

With regards to the insurance - loads of people have indicated the fines/points... But when it comes to re-insuring, try Adrian Flux, as they are specialist they can be good for convicted drivers.

Mainstream will probably decline. Its not the end of the world :thumbsup , you live and learn. You're lucky you didn't hit someone... Don't do it again!! Pushes everyone's premiums up in the long run!
 

·
Registered
Joined
·
884 Posts
With regards to the insurance - loads of people have indicated the fines/points... But when it comes to re-insuring, try Adrian Flux, as they are specialist they can be good for convicted drivers.
Yeah, or ask him to take you back in time to before the offence was committed. :rofl
 

·
Registered
Joined
·
493 Posts
Discussion Starter #18
thanks guys, it was about 3am, no way i could have phones up an insurance company then, and tbh i didnt even think about it. i was more concerned about him getting to mine. the 6 points will put me back to learner status right :eek: then is it just a matter of passing my tests again? would the insurance companies know for a fact that you have an offence? after i pass my test?
 

·
Registered
Joined
·
493 Posts
Discussion Starter #19
Did they impound your car??

Deffo 6 points.

Sorry to hear mate but like you said you know what you were doing the risks etc :( really sucks.

Insurance is something you cant get away with - in my area they have guns in most the cop cars that auto scan the reg plates and it comes up almost immediately and you get pulled. :(
no my car didnt get impounded, could i just get the car put on my uncles company insurance? i dont really know just putting out wild suggestions.
 

·
Registered
Joined
·
208 Posts
Think it will be recorded on the counterpart of your DL, most companies ask for a copy when you take insurance, besides if you have endorsements and dont declare them it will probably void your insurance mate
 
1 - 20 of 43 Posts
Top