Hello,
I was pulled over last February for having no insurance. I had paid online in full but as it happened there was a cyber space mix up and funds were paid but no policy was issued. My insurance company addmitted completely it was their fault and issued me a letter of indemnity but couldn't give me a certificate of insurance as there was no policy. I questioned this with them and they said the letter of indemnity is all I needed and if there are any problems they can ring them which it states on the letter itself. I had my first hearing and after entering the court room they said that I had to go to the police station with my letter and they will check the details and give me a sealed envelope to bring back which I did. I then got back to the hearing and my letter wasn't recognised as proof by the police. They quietly said the police tried to ring the number on the letter but got no answer. So my letter of indemnity was just useless. I was then heavily leaned on to plead guilty as they kept saying I had no proof and the fees will be a lot more if I go to trial so I pleaded guilty. I found out that was a wrong decision as I spoke to the insurance company and they said it's the first time that the letter of indemnity has been refused and that they can confirm that I was insured on the NIB. They told me that I need to persuade the court to re open the case so I can go to trial. I can not afford any of these court fees especially as there's no telling if they will re open the case.
How can my letter of indemnity not be proof because the police didn't get through to the unnderwriters using the number on the letter of indemnity. If I had known they tried to call but didn't get through when I was at the police station I would've insisted it was important (which they obviously know anyway). Could I have made the police ring until they got through? How do I know they even made the call??
How is this justice? I have paid thousands of pounds in extra insurance just to get my car back from the compound, now I have 6 points and fees and now 4 years of stupid insurance costs.... because a website didnt operate properly. Is that my fault???
I was pulled over last February for having no insurance. I had paid online in full but as it happened there was a cyber space mix up and funds were paid but no policy was issued. My insurance company addmitted completely it was their fault and issued me a letter of indemnity but couldn't give me a certificate of insurance as there was no policy. I questioned this with them and they said the letter of indemnity is all I needed and if there are any problems they can ring them which it states on the letter itself. I had my first hearing and after entering the court room they said that I had to go to the police station with my letter and they will check the details and give me a sealed envelope to bring back which I did. I then got back to the hearing and my letter wasn't recognised as proof by the police. They quietly said the police tried to ring the number on the letter but got no answer. So my letter of indemnity was just useless. I was then heavily leaned on to plead guilty as they kept saying I had no proof and the fees will be a lot more if I go to trial so I pleaded guilty. I found out that was a wrong decision as I spoke to the insurance company and they said it's the first time that the letter of indemnity has been refused and that they can confirm that I was insured on the NIB. They told me that I need to persuade the court to re open the case so I can go to trial. I can not afford any of these court fees especially as there's no telling if they will re open the case.
How can my letter of indemnity not be proof because the police didn't get through to the unnderwriters using the number on the letter of indemnity. If I had known they tried to call but didn't get through when I was at the police station I would've insisted it was important (which they obviously know anyway). Could I have made the police ring until they got through? How do I know they even made the call??
How is this justice? I have paid thousands of pounds in extra insurance just to get my car back from the compound, now I have 6 points and fees and now 4 years of stupid insurance costs.... because a website didnt operate properly. Is that my fault???
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