What am I looking at? Should I fess up immediately or hope they just miss the date on it?
That's what's known as a bit of luck and nothing else, a bit like a driver who drinks and drives but isn't caught. As Palerider says, own up, tell them your story, bring along something to back it all up and your reason for going to town on that awfully urgent message. You never know, you might encounter more luck but you've learned a very expensive lesson.Look on the bright side. You didn't kill or injure anyone and leave them without compensation or with a huge bill foisted on the taxpayer.
So I was driving my late fathers car. Last week I got it changed to my own name, from a taxi to a private vehicle. I tried to insure it last week but they needed proof of change which i wont have until tomorrow. It has tax and NCT. I will be getting insurance tomorrow.
Tonight I got caught at a checkpoint, Murphy's law, and they told me to bring the cert in within 10 days. Obviously the insurance is going to be dated a day late.
What am I looking at? Should I fess up immediately or hope they just miss the date on it?
I see you said you had tried to get insurance but can you show a paper trail that you had already applied and tried to fill out form for insurance on or before the day you were caught and not just applied for it after you were caught? This would have a big bearing on the outcome.
Yip. Since last weekIs it correctly taxed as a private vehicle?
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In fairness, he hasn't been prosecuted yet and I doubt there's any question on the insurance form asking if he's awaiting the possibility of a court case.Have you told the insurance company you've a possible prosecution pending for being caught driving with no insurance?
The insurance form always asks, or notes separately under Assumptions, that "You or any named driver(s) have not been convicted of any criminal offence or do not have any prosecution pending". Even if this happens after obtaining the policy, if anything actually happens while insured you're obliged to make a material disclosure to your insurance company or risk "cancellation of policy, non-payment of claims, or difficulty obtaining insurance elsewhere".In fairness, he hasn't been prosecuted yet and I doubt there's any question on the insurance form asking if he's awaiting the possibility of a court case.
In fairness, he hasn't been prosecuted yet and I doubt there's any question on the insurance form asking if he's awaiting the possibility of a court case.
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