I've been stopped for having no insurance whilst test driving a car. Will I lose my licence?

I am 18 years and 9 months old. I am the named driver on my uncle's TPFT insurance policy for a 2001 1.4-litre Honda Civic four-door saloon. I was recently test driving a Renault Clio, accompanied by the owner of that car who was a trader and had a fully comprehensive trade policy, but the police stopped me and booked me for driving without insurance because trader policies don't cover under-21s. Because my licence is only 11 months old, if I receive six points I will lose it. I assumed that because I am insured on my uncle's car as a named driver I would be insured on the Clio. Please help.

Asked on 13 September 2010 by amiiir

Answered by Lucy
Any benefit of doubt will be at the discretion of the CPS or of the magistrate if you let the case go to court. Ignorance of the law is not usually an adequate defence, though. HJ.

If you genuinely thought you were insured but were not, then you may have a Special Reasons argument in which case you may avoid the penalty points associated with the offence. Although being a named driver on your uncle's policy would not normally have afforded you insurance, you could have reasonably expected to have been covered on the trader's policy. To make a Special Reasons argument you cannot accept any fixed penalty but will need to have the case heard in court. Please supply a telephone number and I will arrange for a colleague to call you to go through your options. There is no charge for the telephone advice call but if you subsequently opt to have us represent you then unless you have legal insurance with us we will charge for legal assistance. LBC.
Similar questions
I've purchased a new car but haven't yet sold the old one. Do I need to keep this insured in the interim while I'm selling it?
My father-in-law died in June and, amongst other things, left my wife, as his Executor, a car to dispose of. In compliance with the current DVLA rules we completed the SORN and took the uninsured car off...
I am about to sell my vehicle privately. What insurance is needed for a test drive? I have spoken to my insurers (plus others) and have got several different versions of information. Most often it seems...
Related models
Well-equipped, good-looking hatch with a 'big car' feel. 172 grown to 182 and another cracking hot hatch. 4 Star NCAP crash safety rating.
 

Ask Honest John

Value my car