[Christian Simpson]

Hi, I’ve recently applied to the motorbility scheme and been told I do not meet the criteria. After making some phone calls to find out why I was told that it was because I had committed a driving offence 3 years prior. The offence was driving with no business insurance (counts as no insurance) while delivering a pizza for a friend at a local takeaway on my way home. I have appealed the decision and it will be reviewed. I have been driving 7 years and never claimed on insurance. Does anyone know my chances of this being overided? Or has anyone else had a similar problem?

Topic

[joss]

@Christian Simpson

Hello. Forgive me for asking. Where you banned for the driving offence by any chance ??

The reason I ask is because RSA web says the following

“Anyone disqualified from driving for more than 30 days within the last five years is not allowed on the policy. They will only qualify when five years has passed from the date of conviction shown on their licence. We will also consider any motoring convictions, endorsements or fixed penalty notices incurred within the five years.”

Joss
Current car: BMW X2 sDrive 20i M Sport 5dr Step Auto In metallic Portimão Blue. 04:10:2025
Previous car:Peugeot 308 GT Premium 1.2 Pure tech Petrol.

[Christian Simpson]

@jess

Hi, no I wasn’t banned. Was given 6 points and a fine. I now have no points on my liscense and this is my only offence, I could understand why this would be a problem if it was a DUI or as such however an insurance issue would be impossible anyway if the mobility scheme insured me ?

[Christian Simpson]

@joss, I do apologise

[Intranicity]

I had a similar issue with an IN10, and had to wait till the 5 years was up.  Sadly insurance companies look very unfavourably at uninsured drivers and I think they intentionally penalise you afterwards.

In my case I thought I was insured to drive any other car on my fully comp, I brought another car on a Saturday, and got pulled over the same day.  Was asked if it was my car and was I insured and said yes, turns out I was insured to drive any car, AS LONG AS I DIDN’T OWN IT.  If I’d realised I could have got away with it saying I was just test driving it.  Tough lesson learnt!

[joss]

@Christian Simpson No problems. It’s not the fist time I have been called jess lol

It looks like @Intranicity  has pretty much summed things up with the five year wait. You could wait and see what they comeback with.

Joss
Current car: BMW X2 sDrive 20i M Sport 5dr Step Auto In metallic Portimão Blue. 04:10:2025
Previous car:Peugeot 308 GT Premium 1.2 Pure tech Petrol.

[Richard]

I’ve seen that vehicle ownership thing argued successfully. Police stopped someone who had just effectively bought it & was driving home, they argued as it hadn’t been registered yet it technically wasn’t his vehicle thus was insured. A pnc check showed vehicle wasn’t his obviously so police argued their point, he stood his ground & eventually court found in his favour. It was quite amusing to watch certainly not a quick win but if you dig your heels in it can be done. Not worth the risk if you know but if not its easily done.

Makes me wince when I think of the stunts we pulled as “kids”

[Author]

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