profwimbley
New Member
On 23rd December, I was stopped at a petrol station by traffic police as they said I had no insurance. The premiums were being paid but, unbeknown to me, the insurance had been cancelled due to non-receipt of no claims bonus. Having checked my correspondence, I had nothing aside from a survey asking how they had done. I had all documents, i.e. schedule of insurance, certificate etc.. I was given an IN10 and they took away the car which I got back the next day from the pound. Some time later, I received a letter dated the 24th December stating that the insurance had been cancelled.
As a Domestic Violence worker, I have always ensured that all of my paperwork is in order as my car is vital to my job and also for taking my son to school. I don't have any other convictions etc.. Whilst I accept that technically, I did not have live insurance, it is impossible that I could have known that.
Is the IN10 worth challenging as I cannot afford a higher fine if it does go to court but I am reluctant to accept 6 points on my licence when I was unaware of the cancellation?
The insurance company was LV and when I went to the police station to prove my insurance, even the officer at the desk said she had had a similar problem with her own car and LV. I feel really upset at this but cannot afford a solicitor to help advise and like I say, cannot afford to challenge it in court if they are just going to give me a higher fine
As a Domestic Violence worker, I have always ensured that all of my paperwork is in order as my car is vital to my job and also for taking my son to school. I don't have any other convictions etc.. Whilst I accept that technically, I did not have live insurance, it is impossible that I could have known that.
Is the IN10 worth challenging as I cannot afford a higher fine if it does go to court but I am reluctant to accept 6 points on my licence when I was unaware of the cancellation?
The insurance company was LV and when I went to the police station to prove my insurance, even the officer at the desk said she had had a similar problem with her own car and LV. I feel really upset at this but cannot afford a solicitor to help advise and like I say, cannot afford to challenge it in court if they are just going to give me a higher fine
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