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Jo C.
Jo C., Barrister
Category: UK Traffic Law
Satisfied Customers: 65037
Experience:  Over 5 years in practice.
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Hello I get penalty under offence code 801 ( No insurance) I

Customer Question

Hello
I get penalty under offence code 801 ( No insurance)
I was driving my personal car and police stop me for talking on phone.
When officer ask me where i'm going I told to see my work. ( i'm a builder and driving my van in works) I was driving only this day,
On this day (morning) I return van from rental company because my one needs to have breaking pads replaced and drive my personal car.
On evening I have euro tunnel booked because I should go for holiday with this car.
Police stop me give penalty and take car to pond.

What options I have to not receive points and penalty.


Thanks Michal
Submitted: 1 year ago.
Category: UK Traffic Law
Expert:  Jo C. replied 1 year ago.
Hi

Thank you for your question and welcome to Just Answer. My name is XXXXX XXXXX I will try to help with this.

Were you insured please?
Customer: replied 1 year ago.

co-operative


eco insurance


 

Expert:  Jo C. replied 1 year ago.
Are they saying that you used this car for a different purpose than the one for which you are insured?
Customer: replied 1 year ago.

Insurance saying use only for personal, social & domestic.
there are options but in exclusions saying business use.


 

Expert:  Jo C. replied 1 year ago.
Were you using it for business use?

Customer: replied 1 year ago.

Officer told me if i'm on the way to site this is business use and this should be covered under business insurance and basis on this he stop my car. normally i'm driving my van.

 

Expert:  Jo C. replied 1 year ago.
Do you travel to one fixed place of work?

Does your insurance cover that?
Customer: replied 1 year ago.

Normally i'm using van and have business insurance.


 


That day I was return rented van on morning and sit in my personal car because i was going on holiday on evening.


 


if you asking for private car.


 


I'm not driving my personal car for business use.


My insurance on private car not covering driving to work even fixed.


 


 


 


 

Expert:  Jo C. replied 1 year ago.
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Jo C.
Jo C.
Solicitor
65037 Satisfied Customers
Over 5 years in practice.