Good afternoon everybody, I’m posting on behalf of a young person who has only held his license for Three months, he is 18 years old and generally a very good and responsible person.
He usually takes out temporary insurance on a 24 hour basis from his parents insurance company. The insurance is very reasonable at £5.60 for 24 hours and yesterday he did just that however, he neglected to notice that the payment required him to open the bank application on his phone or computer to validate the payment and proceeded to drive the vehicle, having omitted this final step, it was an error of judgement or haste.
He was later, stopped in the vehicle as the vehicle had no valid MOT. The officer checked and saw that the vehicle was insured by his mother, but not himself. The boy explained that he had 24 hour temporary insurance and the officer agreed that this does not appear on the Insurance database and required him to produce evidence of insurance which he could not do, as the evidence would have been emailed to either his mothers or father’s email accounts which he did not have access to . His father received a phone call from the boy requesting that he checked the email and screenshot a copy of the temporary insurance cover note to him. The father checked the email, but no such email was presents the mother was occupied and could not be contacted..
The officer liked the boy and gave him the opportunity to produce the document at a police station within seven days.
As it transpires, he did not have insurance cover because of his hasty escape after having thought that he had booked it online, and he is now faced with a dilemma.
My question is that when producing documents at a police station, do the police validate the documents by contacting the insurance company or is it mainly an administration Exercise and Are they satisfied with just visually inspecting the cover note?
This is temporary cover, and as such does not appear on the Insurance database.
The officer explained that he no longer issues these producer documents and that they are pretty much antiquated, so another thing that crosses my mind is what would happen if he did not produce the documents are they so old that it would be forgotten and not acted upon?
