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Young driver's cheap car insurance hopes ended by stepfather

A driver from Cumbria has been arrested after his designs on cheap car insurance backfired. The 19-year-old thought he was covered as a named driver on motor insurance arranged by his stepfather, when in fact no such policy existed.

As it turned out, his car insurance had been inadvertently cancelled when the stepfather tried to change its start date. Though the provider explained that a new policy would need to be drawn up, the older man had wrongly assumed this would happen automatically. He also failed to notice when his premium was reimbursed.

Instead, he continued to accept fortnightly cheap car insurance payments from his stepson, who thus drove about entirely uninsured until he was caught in March 2007. "I received a certificate of insurance . not realising it was from the policy that was cancelled," he said later. "The insurers said I never took a new policy out after I cancelled it."

At his appearance at Furness Magistrates Court, the teenager was told he should have made personal enquiries of his stepfather's car insurance provider, as the certificate of insurance he was given clearly showed the wrong start date.

However, the Judge agreed that the young driver had not intentionally broken the law. "I accept you have been regularly paying your stepfather and acting in good faith," he said, before awarding him six penalty points, a £100 fine and £35 to pay in court costs.

 

 

 

 

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