JackyBoy1993
New member
Ok so am in some real deep **** and it just keeps getting worse.
First i might aswell explain what i've got convictions for so early into my driving life and what they are...
Firstly I've got 3 convictions; Driving without due care (6points), Aiding and Abetting driving in acordance with the correct licence (£205 fine) and Aiding and Abetting driving without insurence.
The reasons for these convictions. I let a friend pracice in my car on a car park for his driving test which he had the following week (and failed). He lost control of the vehicle, ran into a lamppost and flipped the car on its roof totally destroying my beautiful 1.2 Punto active sport. Someone then called the police and all hell let loose. I rang a recovery and the cops turned up first. My mate paid half of what the car was worth £1100 and we were both expecting a court summons for the convictions. I had to pay for my car to be un-inpounded and then scrapped by the police. I then went and bought a nice new fiat punto exactly like the old one if not better and was driving around as normal.
I then got my court summons in May but my mates summons had also been sent with mine. Bit confused so i rang the courts and they said to send it back so we would both be in court together. Went to court, he wasn't there. Bit of a mix up in court and i ended up being sentenced infront of a high up lady judge from the crown court and was convicted with the above. In court the prosecution said that because they'd cocked up, he was given a verbal warning. Bit unfair as he was driving the car.
Anyways because of the points DVLA revoked my licence as I only passed my test last september. Over the two months i had a provisonal licence for I only had it for 3days including the day of my 2nd theory test and my practical test because they kept cocking up the endorsements and DoB even my name. Anyways I did my test again and thought that would be the end of it.
My driving instructor told me i had to tell my insurence company of my endorsements once i passed my test. I hadn't bothered telling them I had my licence revoked as i didn't want my primiums to change and i would be driving my car anyway. So I rang them up and they told me they'd get back to me. They did a week later and told me that I had 7days left on my policy. I was gutted as I only had a month and 3weeks left on the full policy. I never got a refund and my first full years no claims was quashed even though i never claimed for the incident.
So i had a week to find insurence for an 18year old male who had only past his test 10months ago, has three convictions, 6 points and an insurence cancelation. It was very hard. I've tried comparison sites, specailist insurers, direct quotations and even trader policys. I was getting quotes for over £10,000 for a 1.2 punto!! Anyways the best quote I got it down to was £4,399 from the insurence factory :/ and for £25 more Aviva. Totally out of my price range. I was already paying £100 a month for my car finance and the monthly repayments were more than my parents morgage. So after all i've been through I've got a car am paying for but can't drive, a fine am paying off and am goin to uni in september and really do need some wheels. Oh and the other kid, (we don't talk anymore), has his own car, with quite cheap insurence, no points on his licence and goes on 3 holidays a year. I've had to take on another job just to pay for my car every month.
So i need some help guys. Any suggestions welcome as long as there not silly.
First i might aswell explain what i've got convictions for so early into my driving life and what they are...
Firstly I've got 3 convictions; Driving without due care (6points), Aiding and Abetting driving in acordance with the correct licence (£205 fine) and Aiding and Abetting driving without insurence.
The reasons for these convictions. I let a friend pracice in my car on a car park for his driving test which he had the following week (and failed). He lost control of the vehicle, ran into a lamppost and flipped the car on its roof totally destroying my beautiful 1.2 Punto active sport
. Someone then called the police and all hell let loose. I rang a recovery and the cops turned up first. My mate paid half of what the car was worth £1100 and we were both expecting a court summons for the convictions. I had to pay for my car to be un-inpounded and then scrapped by the police. I then went and bought a nice new fiat punto exactly like the old one if not better and was driving around as normal.I then got my court summons in May but my mates summons had also been sent with mine. Bit confused so i rang the courts and they said to send it back so we would both be in court together. Went to court, he wasn't there. Bit of a mix up in court and i ended up being sentenced infront of a high up lady judge from the crown court and was convicted with the above. In court the prosecution said that because they'd cocked up, he was given a verbal warning. Bit unfair as he was driving the car.
Anyways because of the points DVLA revoked my licence as I only passed my test last september. Over the two months i had a provisonal licence for I only had it for 3days including the day of my 2nd theory test and my practical test because they kept cocking up the endorsements and DoB even my name. Anyways I did my test again and thought that would be the end of it.
My driving instructor told me i had to tell my insurence company of my endorsements once i passed my test. I hadn't bothered telling them I had my licence revoked as i didn't want my primiums to change and i would be driving my car anyway. So I rang them up and they told me they'd get back to me. They did a week later and told me that I had 7days left on my policy. I was gutted as I only had a month and 3weeks left on the full policy. I never got a refund and my first full years no claims was quashed even though i never claimed for the incident
.So i had a week to find insurence for an 18year old male who had only past his test 10months ago, has three convictions, 6 points and an insurence cancelation. It was very hard. I've tried comparison sites, specailist insurers, direct quotations and even trader policys. I was getting quotes for over £10,000 for a 1.2 punto!!
Anyways the best quote I got it down to was £4,399 from the insurence factory :/ and for £25 more Aviva. Totally out of my price range. I was already paying £100 a month for my car finance and the monthly repayments were more than my parents morgage. So after all i've been through I've got a car am paying for but can't drive, a fine am paying off and am goin to uni in september and really do need some wheels. Oh and the other kid, (we don't talk anymore), has his own car, with quite cheap insurence, no points on his licence and goes on 3 holidays a year. I've had to take on another job just to pay for my car every month.So i need some help guys. Any suggestions welcome as long as there not silly.
