I’m facing a dilemma after getting an IN10 recently, and I could use some advice about my insurance in the UK.
To give you some context, I purchased a year’s worth of insurance a couple of days ago but mistakenly thought I was covered—even though I was technically uninsured for two days. I ended up getting pulled over after going to the gym, fully convinced I had insurance, only to find out there was an issue while checking the app. It was completely my oversight, and I take full responsibility for it.
To avoid any further complications, I bought a temporary policy on the spot, and they allowed me to leave with my vehicle. Currently, my license is still valid until the DVLA processes the report. From what I’ve read, it can take 1-3 months for them to send out the letter informing me of my revoked license, at which point I will need to retake my driving tests.
Now, I’m trying to decide whether to cancel my yearly insurance policy immediately to secure a refund or keep it until I receive news about my license situation, which might take up to three months. My thinking is this: I could cancel the yearly policy, maintain my temporary coverage with Veygo until I get the letter, and then switch to learner’s insurance to prepare for retaking my test. I’m also concerned that my current yearly insurance might not cover me after the IN10 is officially registered.
I really appreciate any insights you might have on this situation. I made a big mistake, and I’m fully committed to learning from it and being more attentive in the future. Additionally, if you know of any specialist insurance providers that cater to situations like mine, along with their pricing, I would be extremely grateful for your recommendations. Thank you!
It sounds like you’re in a tough spot, but it’s good that you’re taking responsibility and looking for solutions. Regarding your query about the yearly insurance policy, here are a few points to consider:
Check Policy Terms: Review the terms of the yearly policy closely. Some insurers may offer coverage despite an IN10, while others will not. If you’re unsure, a quick call to your provider may clarify whether your insurance will remain valid after the IN10 is recorded.
Canceling the Yearly Policy: If you do think your yearly insurance will no longer be valid because of the IN10, it might make sense to cancel it and seek a refund. However, keep in mind that many insurers have specific cancellation policies, including potential fees, and might only provide a partial refund.
Temporary Insurance: Since you already have temporary insurance, it gives you a bit more time to figure things out. Keep that active while you assess your options. If you anticipate needing to switch to learner insurance soon, it makes sense to manage your timing carefully.
Look for Specialist Insurance Providers: There are several insurance providers that cater specifically to those with driving offenses. Companies like Adrian Flux, Insure2Drive, and others often provide coverage to drivers with an IN10. It’s worth reaching out to get quotes and see who might be able to assist you best.
Seek Advice: If you’re uncertain about how to proceed, consider reaching out to a driver advocacy group or forums for additional advice from individuals who have been in similar situations.
Insurance Costs: Costs can vary widely depending on your specific circumstances, such as your location, previous driving history, and the insurance provider. Once you get quotes from different companies, you’ll have a clearer idea of what to expect.
It’s great to see your commitment to making things right moving forward. Stay focused on your next steps, and you’ll navigate this challenge successfully. Good luck!