I spoke to insurance this morning.
I renewed my insurance on 2nd feb. They said payment would go out around 15 feb (ive rung to check what exactly was said). i said i would take it, and could always consider later within 2 weeks if i need to make it cheaper.
Then on 15feb an agent rang to confirm insurance was still needed, i said yes.
apparently later the payment was rejected after the phone call. and no one rang me to let me know.
2 letters then went out which i just realised now, sent out 19 feb and 28 feb. I didnt get their emails. One letter to say payment was declined by ban, and the following saying i have 7 days to pay until it gets cancelled.
(i checked last night they had an old debit card on file which i renewed in january before the renewal call, and they have now updated)
It was cancelled on 10th march, 9 days before being stopped.
Police have issued me a "traffic offence report" suggesting i have done an endorsable offence "RT88191" driving without third party insurance.
Ive got a fine as well for my MOT being 2 months out of date- my fault, but I can cope with that fine. Everything was checked my car, the road tax, v5. All the rest are ok.
I am not sure if i was supposed to be cautioned. the officer asked me to sign under "no reply" in the caution box. When I asked him about this he then read the caution out. Perhaps that was because he was still in training.
My main concern now is how this is going to affect my CRB.
Is this a potentially a criminal offence rather than a civil one.
could this mean that as a doctor I could face unemployment.