Behind the wheel Without Being Insured - Do Not Get Caught Out!
LinuCast
Driving a vehicle without having insurance policy set up is a driving offence which is certainly one that you should try your very best not to be guilty of but however is incredibly easy to commit. It may well be that you have done the right thing and bought either short term car insurance or something that is more permanent: even so, simply because you've obtained cover doesn?t necessarily mean that you are personally protected for the car and/or the purpose in question. I want to clarify this in some more depth.
As a domestic house owner it is not beyond the realms of possibility that you take pleasure in a little bit of maintenance around the home and you may very well be pretty good with it. Further, as is also common, that love for all things Do it yourself could have also been noted by family, friends, neighbours, colleagues and anybody else within your social circle. In fact, it could well be that any one or more of these individuals could perhaps from time to time ask you to do a bit of work for them and so as they do not upset you they pay you cash to compensate for your energy and time. Now let us for present purposes assume that you find yourself driving home in your car from the large Do it yourself shop nearby because you are helping out your aunt to repair their home and then the police stop you: If your contract of insurance covers you for merely basic domestic use but you afterwards admit to the police officer that you were off to work on a fee paying basis you could possibly well be considered as committing a no insurancedriving offence.
Let?s think about a differing situation: you actually understood and furthermore were advised in writing from your broker that you were protected by insurance albeit that this verification was by way of an automatic response received after you had requested cover online yet then when you are actually in an accident whilst driving and wish to make use of the cover you are immediately told that the policy was terminated early. You don?t have any alternative temporary car insurance cover in force. You have committed a driving offence. Not a lot of people would consider this as being a particularly just scenario to find yourself in and we would agree with that view.
However, think about the following additional scenario: you happen to be young driver and so haven?t been behind the wheel of a car for too long and therefore are looked on by the motor insurance companies as being very high danger in terms of risk. A proven way that they get around this is to have excessive premiums but they typically demand more than merely your money to offset the risk. Additional documents they will certainly ask to see may be confirmation of your claims history and evidence of vehicle ownership i.e. a letter confirming no claims bonus alongside a V5C vehicle confirmation certificate. Indeed, the typical chain of events would be that you buy the cover online, pay your initial first deposit, get confirmation that you are currently covered after which you receive notice that the cover is dependant upon you dispatching across the verifying documents within a particular timeframe. The difficulty here is that your no claims documents is then absolutely in the power of your old insurance firm (if any)
The insurance provider administration may possibly be such that your personal best endeavours to get them to conform with what would seem to be a somewhat straightforward request are all in without result. And if you do not succeed in getting these people to satisfy the request as necessary? Your cover may perhaps be brought to an end without your knowledge. As a broker they may well have considered you were too high-risk in the first place after they had the possibility to look at your application by hand. Of course, what might have happened is that they state that they did send a letter to you to void the insurance cover but you never were in receipt of any such notification or it got mislaid. Please do not assume that this is an extremley unlikely state of affairs because it is not, particularly when it comes to newer drivers who account for a large proportion of claims these days - you have to do all of the documentation groundwork because the providers really don't appear to want to.
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