Scamper wrote:
Ok, my point is - if you were involved in an accident with either of those two examples, neither would have any insurance, mot, etc.
Same outcome for the innocent driver. Loss of NCB, car offroad, lost excess, higher premiums, etc
Why sympathise with him for getting a NIP and offer advise? Arent we all interested in promoting safety on the roads whether that is by responsible road planning, driver education or responsible use of speed??
This chap has commited an offence and he will hopefully be held accountable for it. I was tempted to flame him for it at first too, but on reflection I agree with Anton. All is not lost and writing someone off as a major criminal for a first (reasonably minor) offence is not going to help him learn to be a safe and properly qualified driver, which should be our aim.
As for insurance, there are two camps with differing views on what invalidates insurance. 1) says that third party insurance cannot be invalidated by driver action, and 2) says any breach of rules invalidates insurance. I have seen a person taken to court for no insurance because an L-plate fell off. The person pleaded guiilty so this wasn't actually ruled on. I don't know who is right, but I at least think this person deserves a hearing before we accuse him of having no insurance.