anyone got experience being stopped for no insurance? - Skyline Owners Forum

Welcome to the SkylineOwners.Com website. We aim to provide you with the largest knowledgebase anywhere on the internet for the Nissan Skyline.


Go Back   Skyline Owners Forum > Skyline Torque > General

General Skyline related chat only please
Sponsored By: www.OnlineCarParts.co.uk

Reply
 
LinkBack Thread Tools Rate Thread
Old 09-06-2009, 09:55 PM   #1
Seasoned Member
 
MR.T's Avatar
 
Join Date: Sep 2005
Posts: 770
Club ID#: 5450


Trade Feedback: (0)


View My Pictures
anyone got experience being stopped for no insurance?

well i was in the gf's car that i am a named driver on and i was stopped by a traffic cop who told me i had no insurance! turns out that after we phoned the insurance company they had made a mistake of not transferring our policy over to the new car even tho they said it was now insured

anyway i got a fixed 6 points but was told i can appeal at court if i wanted.
insurance company wont take any responsibility so i cant use that in court but as i have been doing vehicle related jobs over the years i need a licence with a max of 3 points
due to most employer's work/trade insurance policys, can i fight with that as it stops me working in the industry i know and love? i mean i was totally unaware being a named driver and need a clean licence for jobs
__________________
WOTTA LOOKIN FOR FOOL?! AINT NOTING ERE SUCKA

Last edited by MR.T; 09-06-2009 at 10:01 PM.
MR.T is offline   Reply With Quote Share on facebook
Sponsored Links
Advertisement
 
Old 09-06-2009, 10:05 PM   #2
Seasoned Member
 
mattysupra's Avatar
 
Drives: R34 GTR OMORI FACTORY SPEC S1
Join Date: Sep 2008
Location: Solihull
Posts: 2,970
Club ID#: 16997

Country Flag

Trade Feedback: (2)


View My Pictures
does your trade policy not cover you?

If not, then you need to go and see a solicitor asap. The problem you have is that its your word against the insurance companys if you dont have any proof they changed the policy.


guess if you go to court then you stand a chance of geeting the same punishment along with court costs. You may be able to get the points lowered and a bigger fine. Depends on the judge tho, imagaine how many people say this to try and get away with it.


Maybe a phone bill with proof of you phoning them when the car was exchanged, tied in with log book dates etc.
mattysupra is offline   Reply With Quote
Old 09-06-2009, 10:09 PM   #3
516ATF and RWD......Nutter!!
 
AndyP's Avatar
 
Drives: R33 gtst
Join Date: Sep 2006
Location: Kent
Posts: 1,685
Club ID#: 8914

Country Flag

Trade Feedback: (6)


View My Pictures
Most insurance companies record calls for training....ask for a copy of the phone call.

Didn't they send out new documents for you to check???
__________________
The best safety device is a rear-view mirror with a cop in it.
AndyP is offline   Reply With Quote
Old 09-06-2009, 10:18 PM   #4
Seasoned Member
 
MR.T's Avatar
 
Join Date: Sep 2005
Posts: 770
Club ID#: 5450


Trade Feedback: (0)


View My Pictures
we dont have trade insurance, i just mean the garages i have worked at always say 3 points max as the insurance they use wont cover a employee to drive customer cars.

we have heard the call that was recorded where gf wanted to swap her policy but also inquired about the fully comp cover to let her drive other vehicles, sounds like the insurance company got mixed up and fully comp'd her old car instead of transferring the policy
__________________
WOTTA LOOKIN FOR FOOL?! AINT NOTING ERE SUCKA
MR.T is offline   Reply With Quote
Old 09-06-2009, 10:19 PM   #5
Highland/North Scotland Area Rep

Area Rep

 
shakysco's Avatar
 
Drives: Skyline number 4, A 350gt
Join Date: Jan 2008
Location: the black isle,north of inverness
Posts: 4,159
Club ID#: 13806

Country Flag

Trade Feedback: (6)


View My Pictures
a old insurance company a good few years ago did something like this to me and managed to cancel my insurance and then i got pulled over and told i didnt have insurance ..nice...managed to get new insurance sorted out the same day and got away with it ..i was lucky i suppose thou

hope you get this sorted mate
__________________
Skyline number 3 is away to a new owner, and I've moved on and bought myself skyline number 4 a 350gt skyline with manual box..

http://www.gosh.org/
shakysco is offline   Reply With Quote
Old 09-06-2009, 10:25 PM   #6
AKA Frenchie

Administrator

 
SPEEDR33PER's Avatar
 
Drives: R33 GTS-T,FULLY MODIFIED ESCORT VAN and the SNOOPYMOBIlE 2
Join Date: May 2006
Location: tillicoultry scotland
Posts: 25,943
Club ID#: 7722

Country Flag

Trade Feedback: (13)


View My Pictures
unfortunately mate its down to you to ensure your insured however if you can get a copy of the call it may help you with as u could take it to the police and see what they say.
__________________
WWW.JAPSPEED.CO.UK

skylineowners.com mechanic and mot tester
SCOTLAND,CLACKMANNAN
SAUDI ARABIA


Quote:
Originally Posted by andyneed4speed View Post

Nice to see the scottish contingent but I didn't realise we had the legendary Speedr33per in our midst
SPEEDR33PER is offline   Reply With Quote
Old 09-06-2009, 10:28 PM   #7
Seasoned Member
 
Deathwish's Avatar
 
Drives: R33 GTS-t when it works
Join Date: May 2007
Location: Gods country WALES!!!!
Posts: 836
Club ID#: 11522


Trade Feedback: (0)


View My Pictures
if you have fully comp insurance on any other vehicle then your usually covered to drive any other car with the permission of the owner.
Regards, Thwish
Deathwish is offline   Reply With Quote
Old 09-06-2009, 10:30 PM   #8
Seasoned Member
 
MR.T's Avatar
 
Join Date: Sep 2005
Posts: 770
Club ID#: 5450


Trade Feedback: (0)


View My Pictures
i know i told them i can very easily insure it on the spot and that they could even check it was insured but he said no and i needed a insurance certificate on me there and then, he also impounded the car till one was taken

i was told by gf it was 110% insured as i wouldn't have driven it.


i think if fully comp the car you use most be insured by the owner
__________________
WOTTA LOOKIN FOR FOOL?! AINT NOTING ERE SUCKA

Last edited by MR.T; 09-06-2009 at 10:33 PM.
MR.T is offline   Reply With Quote
Old 10-06-2009, 12:12 AM   #9
Seasoned Member
 
LABRAT's Avatar
 
Drives: skyline r33 gts-t s1
Join Date: Apr 2006
Location: lancashire
Posts: 1,248
Club ID#: 7616


Trade Feedback: (2)


View My Pictures
if the insurance wasnt transfered to the new car does that mean that your girlfriend wasnt insured for it eather?

when plod do the number plate check thing its tax insurance and mot they check on the databases.. if one comes back as bad then your gona get pulled..

if the car wasnt insured for anyone, then you wont be able to use your insurance on your own car to cover you legally

guy at work wife got pulled last year for this reason, turns out the bank had stopped paying the standing order on his insurance payments months before.. his wife got the six points and the fine, and the insurance companys view was.. your fine was less than the payments you didnt make, so you done allright..

the fact that the insurance company never got in touch to say the payments had stopped or the policy had been cancelled didnt seem to matter..
__________________
SO MANY KITTENS... SO FEW RECIPES.
LABRAT is offline   Reply With Quote
Old 10-06-2009, 12:37 AM   #10
Seasoned Member
 
mattysupra's Avatar
 
Drives: R34 GTR OMORI FACTORY SPEC S1
Join Date: Sep 2008
Location: Solihull
Posts: 2,970
Club ID#: 16997

Country Flag

Trade Feedback: (2)


View My Pictures
Quote:
Originally Posted by MR.T View Post
.

we have heard the call that was recorded where gf wanted to swap her policy but also inquired about the fully comp cover to let her drive other vehicles, sounds like the insurance company got mixed up and fully comp'd her old car instead of transferring the policy
so this recording, does it sound clear that its there mistake or your girlfriends? If its there mistake then go to court. (see a solicitor first)

If its the girlfriends fault-- i would be looking on dating direct for a new one!

Last edited by mattysupra; 10-06-2009 at 12:39 AM.
mattysupra is offline   Reply With Quote
Old 10-06-2009, 02:02 AM   #11
Seasoned Member
 
MR.T's Avatar
 
Join Date: Sep 2005
Posts: 770
Club ID#: 5450


Trade Feedback: (0)


View My Pictures
lol i think its her fault but i'm gunna get a copy of the recording and see if i can use it if not then i'll have to bite the bullet and take it

anyone know how it'll affect my own insurance? ie price wise
__________________
WOTTA LOOKIN FOR FOOL?! AINT NOTING ERE SUCKA
MR.T is offline   Reply With Quote
Old 10-06-2009, 08:30 AM   #12
Seasoned Member
 
Deathwish's Avatar
 
Drives: R33 GTS-t when it works
Join Date: May 2007
Location: Gods country WALES!!!!
Posts: 836
Club ID#: 11522


Trade Feedback: (0)


View My Pictures
im covered to drive anyones car with my main car policy and it came as standard, i didn't ask for it. Pretty sure i've had it on just about every
Policy i've had too. I'd check your main car policy for the
Section that says, your allowed to drive another car as long as its with the permission of the owner and not hired, or something to that extent.
Regards, Thwish
Deathwish is offline   Reply With Quote
Old 10-06-2009, 09:30 AM   #13
Choo Choo
 
Spence's Avatar
 
Drives: Skyline R32 GTS-T
Join Date: Dec 2008
Location: Gillingham, Dorset
Posts: 1,254
Club ID#: 17897

Country Flag

Trade Feedback: (1)


View My Pictures
How weird is this!!! I got pulled in my Skyline no insurance came up on there screen which they showed me!! I said oh that's weird as i informed my insurance company of my registration number (AXA Trade)!!! They said OK mate no worries, talked about my car for 10-20 mins didn't mention that i didn't have any tax and my front number plate was illegal then sent me on my way!

I had no certificate or anything!! My advise is move to Dorset!!
Spence is offline   Reply With Quote
Old 10-06-2009, 10:38 AM   #14
Seasoned Member
 
LABRAT's Avatar
 
Drives: skyline r33 gts-t s1
Join Date: Apr 2006
Location: lancashire
Posts: 1,248
Club ID#: 7616


Trade Feedback: (2)


View My Pictures
deathwish i think most fully comp policys allow you to drive any othe car, but the main thing is that the other car has to be insured by someone..

other wise we'd all be insuring nissan micras and driving our mums skylines wouldnt we.
__________________
SO MANY KITTENS... SO FEW RECIPES.
LABRAT is offline   Reply With Quote
Old 10-06-2009, 10:54 AM   #15
Porn★

Administrator

 
General Banter's Avatar
 
Drives: R32,R33,Impreza
Join Date: May 2006
Location: Middle Earth
Posts: 23,136
Club ID#: 7718

Country Flag

Trade Feedback: (10)


View My Pictures
I'm a big advocate for holding up your hands when you're in the wrong but in this case I'd fight it all the way.
__________________
------------SKYLINEOWNERS.COM------------


Quote:
Originally Posted by Spooks View Post
I actually find it really difficult to read this thread. Not because I'm a medium or a spiritualist but because it's bullshit and written in terrible English.
General Banter is offline   Reply With Quote
Reply

Bookmarks


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On




All times are GMT +1. The time now is 09:53 PM.


Powered by vBulletin®
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
Search Engine Optimization by vBSEO 3.6.1
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.
Copyright ©2002 - 2019, Verticalscope Inc.