Author Topic: Driving with no insurance  (Read 419 times)

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Claire layton

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Driving with no insurance
« on: March 21, 2024, 10:31:38 am »
Good morning
I am asking for some advise in regards to attending court in regards to a charge of 6 points and a fine.
I was stopped for
Not having insurance, car was impounded costing me 250 to get out.
I am guilty as charged and mortified.
I have requested to a plea in court with mitigating circumstance, thatís being menapause and the affects it has had on my memory! And how I genuinely kept forgetting to get it sorted. Before menapause I would never had believed what impact it had on a womanís body and mind.
I currently already have an sp30 from 2 years ago so this could currently top me up to 9 points!
Iím extremely worried. I work for the ambulance service and 60% of my job is driving an ambulance.
Iím a single mum who runs around after my children and help with my sister with lifts! Financially I am broke and am going bancrupt in April.
Cost of living is crippling me.
I have since received another notice of 37mph in a 30, I recall it well as i was going down hill following flow of traffic and realising I was going over and slowed down! Too late as it seems.
This is now totalling me up to 12 points.
Has anyone had such bad luck and had a positive outcome from
I really hope the judge takes mercy and is more leaniant with me in regards to points so I can keep
My job that I love so much and proud to do.
Would you suggest I get a solicitor to attend for me or defending
Myself would be better?

Any advise please.


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Re: Driving with no insurance
« Reply #1 on: March 21, 2024, 10:49:40 am »
Mitigation won't stop you getting 6 points and nothing you suggests to me amounts to either a defence or 'Special Reasons Not To Endorse'.  Did you decline a fixed penalty offer? Possibly a rash move as the fine in court will be circa 150% of your weekly take home (less 1/3 if you plea guilty - with compelling mitigation that may drop to 100% less the 1/3) plus a 40% (of fine) court surcharge and £95 prosecution costs.  Your car insurance can be expected to double next year decreasing to a 20% uplift in the fifth year.

Unless you are in Scotland or have done one in the last 3 years 37/30 should see you offered an awareness course which will void the extra 3 points.
There are motorists who have been scammed and those who are yet to be scammed!


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Re: Driving with no insurance
« Reply #2 on: March 22, 2024, 07:33:42 am »
As stated, there is always the possibility of a 'humane' magistrate but with millions of women having the same natural occurence the chances are very very slim and will indeed hit you with a heavy cost burden. If you have rejected the FP offer then that ship has sailed. The longest of long shots might be to see you GP and see if s/he will issue you with some proof (a letter!) confirming a medical opinion that your memory is defective (but see below)

I'm assuming none of the offences was when driving the ambulance (i.e private travel)?

Would the ambulance service be able to use a non-driving member of staff? The 'large ones' seem to be dual crewed? Will they be concered about a ambulance tech's memory issues from a professional standpoint? Tread carefully.


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Re: Driving with no insurance
« Reply #3 on: March 22, 2024, 11:41:52 pm »
If you are a member of a trade union, you may have legal advice (and possibly even representation) as part of your membership.

It's my understanding that ambulance drivers (not meant to be inflammatory, but meaning anyone who drives ambulances) have to take advanced driver training courses, so would you not be expected to be more aware of the speed limits that are in force, and to have more control of your vehicle? I do understand that humans are human and sometimes we creep over it, especially with road designs that imitate much faster roads but end up being 20mph.... (Looking at you Wales!).

As for your memory - again is this not something that may affect your work, if it is affecting your driving to this extent?

These are all questions that a judge (or your employer) may ask you, so worth exploring them now when not under so much pressure to do so.