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Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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Me and my fiance need your help&advice ASAP-we had two cars

Customer Question

Me and my fiance need your help&advice ASAP-we had two cars fully insured on my name and my partner added as an additional driver. One of them we swapped for new one on saturday(our insurer closed), new car had three day drive home cover-when dealer asked me if I wanted to add a driver I refused as I thought Ian can drive any other cars as we had fully comp on both cars-and he's been stopped by police on saturday night. 3 minutes away from our house, but constable pressed for sizing my car to police compound, and paid £150 on monday to get it back. I run mobile business-without car for even a day I'm struggling to keep my services going.
We refused conditional offer of 6pts and £300 each as this was genuine mistake on my side and I'm a new driver until march, Ian only had his driving licence for 4mnths...On that unfortunate evening all cars were covered, but my fiance have not been a main policy holder on any of them-we were not aware of the fact that it does matter!
On monday morning I gave my insurer new registration, Ian as additional driver as he was, but we took my name of his car's policy as I can drive his anyway(my car is dearer).
We were actually overpaying as a result of not fully understanding the policy wording.
Both of us have clean licences, never had any problems with the law or anything-that's not what we came to this country for. What worst might happen? Is there any light in this tunnel? Why would we be put in one bag with people who drive recklessly or without even a licence, when since getting our licences and cars there have not been even a single day without policy. Not to mention that to me it simply looks like punishing for something that didn't happen "what if you would hit a boy on the bike?". It was way after 11pm for God's sake! And if I would hit anyone I would pay that 10K because I can-but none of this happen so why such a strong punishment?
Submitted: 4 years ago.
Category: Law
Expert:  Ash replied 4 years ago.

Alex Watts : Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply, but rest assured I will be giving your question my immediate attention upon return You do not need to wait here as you will get an email when I reply.
Alex Watts : I am not entirely sure what your question is or what you are asking, might I ask you to clarify?
Alex Watts : Do you accept you were not insured even though it was a mistake?