Seeking Advice on Insurance After Getting an IN10 in the UK
I recently made a mistake regarding my insurance dates and bought a year-long policy just a couple of days ago, mistakenly believing I was covered when, in fact, I wasn’t—by just two days. Unfortunately, I got caught while at the gym, thinking I had active insurance, only to discover the dreaded ‘scheduled’ status on the app 🤦🏻♂️. I fully accept responsibility for this oversight; I should have been more vigilant. Now, I need to figure out my next steps.
After realizing the situation, I quickly obtained a temporary policy, which allowed me to drive away. My license remains full and clean until the DVLA processes the report. From what I’ve read, this can take 1-3 months before I receive a letter from the DVLA revoking my license and requiring me to retake the tests.
My main question is whether I should cancel my yearly policy right away and seek a refund or keep it, considering it might take up to three months to address my license situation. I could cancel the yearly policy and maintain the Veygo temporary insurance until I get the DVLA letter. After that, I’d switch to learner insurance until I pass the test again. I doubt my current insurance will cover me after receiving the IN10.
I genuinely regret this mistake and am committed to moving forward while paying closer attention to start dates in the future. If anyone has recommendations for specialist insurance providers or insights into the costs associated with similar situations, I would greatly appreciate it. Thank you!
It sounds like you’re navigating a tough situation, and it’s good that you’re taking responsibility for your mistake. When it comes to your insurance options, here are some things to consider:
Canceling the Yearly Policy: Since you’re facing the potential IN10 conviction, it may be wise to cancel your yearly insurance now, especially if you’re unsure whether it would still be valid after the conviction. Most insurers will not cover you if they discover you have an IN10 on your record, so getting your refund while it’s still early could be a good idea.
Keeping the Temporary Policy: As for the temporary policy you purchased, this is likely your best bet for the moment. It will cover you while you have your full license. Make sure to read through the terms of this policy to ensure it covers you adequately until you receive that letter from the DVLA.
Next Steps After the IN10: Once you do receive the letter from DVLA and your license is revoked, you will need to look into learner insurance options while you are retaking your tests. There are several companies that cater to new or learner drivers, so you may find those options viable.
Specialist Insurance Companies: For specialist insurance products designed for individuals with points or those who need to declare a conviction, you might want to look into providers like Adrian Flux, Go Girl, or Cuvva. It can also be helpful to compare quotes through comparison websites once you know the specifics of your situation.
Stay Informed: Keep an eye on the DVLA processing times and stay in communication with your insurers. Also, consider consulting with a legal professional or an insurance advisor familiar with driving convictions for tailored advice.
Ultimately, you’re on the right path by seeking information and preparing for the next steps. It’s a challenging time, but with a clear plan, you’ll be able to navigate through it. Good luck!