I
itschristmas
Guest
could I ask a question on car insurance.
I was stopped at a garda checkpoint in july of this year.
I did not have my car insurance disc in the car.
and my tax was out of date.
- both of which were stupid mistakes. (it is my partners car and I wouldnt be the main driver of it-this is not an excuse I said or used to the garda)
I apologised for the mistake and told them that the car was indeed insured; nerves got the better and I should have explained the situation better to the garda. However I produced my licence and was told that I would have to produce my insurance details to my local garda station along with tax within 10 days.
I got a letter stating the above and that I would have to pay a fine also - which I dont recall the garda telling me; a few days later. for financial reasons I was unable to bring my tax into date and wouldnt be able to pay the fine until about 2 weeks later. and even at that I failed to go to my garda station and show them my details.
I recieved a summons the other day for non production of my insurance and tax and for failure to pay the fines.
I rang the garda that day and he told me that I would have to go on the court date as I did not pay the fine and would need to bring my up to date insurance and tax details with me.
I rang my car insurance company that day also to get my full insurance cert and was told that I was insured at the time (30/5/10 onwards) however that I did not sumbit my no claims bonus cert from my previous insurer so they would need this first!. This was the first I heared of it!
- I rang my previous insurer but they are refusing to give me my certificate! as I am not currently insured with them - can they do this?
- I went through paperwok I ahd an found a renewal notice stating my no claims, however this is in february 2007!- how long do they last?
I did from my new insurance company get my insurance disc and certificate of insurance ?- will this be ok for the garda ?
what type of fine/points would one get ?
would there be anything I can do to help the situation now ?
- was thinking of trying to pay the fine now - at least show I made the effort ? or at least reduce what I will be paying after the court fine ??
many thanks
I was stopped at a garda checkpoint in july of this year.
I did not have my car insurance disc in the car.
and my tax was out of date.
- both of which were stupid mistakes. (it is my partners car and I wouldnt be the main driver of it-this is not an excuse I said or used to the garda)
I apologised for the mistake and told them that the car was indeed insured; nerves got the better and I should have explained the situation better to the garda. However I produced my licence and was told that I would have to produce my insurance details to my local garda station along with tax within 10 days.
I got a letter stating the above and that I would have to pay a fine also - which I dont recall the garda telling me; a few days later. for financial reasons I was unable to bring my tax into date and wouldnt be able to pay the fine until about 2 weeks later. and even at that I failed to go to my garda station and show them my details.
I recieved a summons the other day for non production of my insurance and tax and for failure to pay the fines.
I rang the garda that day and he told me that I would have to go on the court date as I did not pay the fine and would need to bring my up to date insurance and tax details with me.
I rang my car insurance company that day also to get my full insurance cert and was told that I was insured at the time (30/5/10 onwards) however that I did not sumbit my no claims bonus cert from my previous insurer so they would need this first!. This was the first I heared of it!
- I rang my previous insurer but they are refusing to give me my certificate! as I am not currently insured with them - can they do this?
- I went through paperwok I ahd an found a renewal notice stating my no claims, however this is in february 2007!- how long do they last?
I did from my new insurance company get my insurance disc and certificate of insurance ?- will this be ok for the garda ?
what type of fine/points would one get ?
would there be anything I can do to help the situation now ?
- was thinking of trying to pay the fine now - at least show I made the effort ? or at least reduce what I will be paying after the court fine ??
many thanks