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Could I be prosecuted during the two minutes of the year that I'm not insured?

I've just renewed my insurance with Be Wiser for the forth year in a row. I just noticed that the cover for this year ends at 23:59 on 3 July 2017 and the new starts on 00:01 on 4 July 2017. That leaves me uninsured for two minutes. What happened if I have an accident or get stopped with the police at this time? Technically, could I be prosecuted or have a claim refused?

Asked on 21 June 2017 by gary

Answered by Honest John
No, a tolerance is allowed of five minutes in either direction, so technically ten minutes.This is covered under the 2015 Insurance Act and it would be deemed a breach of the insurance regulations if you were penalised. The only time an insurer can reject a claim under the 2015 Act is where evidence of fraud exists. The police would see it as different matter. If you were minutes away from home you would probably be fine, if you were hours away and had the reasonable foresight to know you would not home in time before it lapsed, then they would prosecute.

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