Violating driving rules without a full and adequate insurance policy is one of the simplest crimes committed in committing a crime, and is also the most important to avoid a violation. First, even if you have auto insurance, you may be in a position where your policy does not apply to the person who drives this car (including you) and / or the purpose for which you drive the car. Let me explain this in more detail with the examples that our legal practice has experienced in recent months.
You can be a DIY enthusiast, but also a person that you really like, to be sure that you keep up with all household chores. In addition, as usual, your family, acquaintances, neighbors, partners, and any other person in your social circle may have enthusiastically noticed this passion for the content of your home. Consequently, it may well be that some one or more of these different people at some point will ask you to work for them along with some financial compensation for their time and energy. So, this is a real-life example: Imagine that you are driving home from what has become your favorite local DIY store, after you have purchased several items to help a family member with the task they need to complete, therefore a local police officer stops him. When asked if he is insured, he tells the police that insurance applies to him, but unfortunately, after admitting that he works on a fee basis, he checks the position in his database and shows that you are not receiving compensation for “Commercial use” (also known as “commercial use”): you may be charged for driving without insurance uk offense in accordance with the 1988 s143 traffic law.
In this example, he was insured, but not for the purpose of using the vehicle.
Ok, now let’s think about another scenario. As mentioned above, he really understood that he was insured to drive his car. In fact, he received an email confirmation after the start of the online policy. However, a few weeks after the start of the insurance policy, you got into an accident. The police checks the case in your database and states that you are not insured. Of course, this is new to you! However, although he did not know that he was not insured, if the policy was canceled without his knowledge, he was guilty of the crime, since this is “strict liability”. Most people would find it unfair. However, this is the law: technically, you as a driver must make sure that it is covered by insurance, and ignorance of the cancellation is not a defense.
The end result of example 2? You were not insured without knowing about it, and your only real way to repair is to demand “special reasons”, that is, the insurance company deceived you into believing that you are truly insured.