I would go for the honest mistake option.
You both have insurance, which has got to count in your favour, doubt that you will get away with it but should help to mitigate the offence.
I doubt that your girlfriend would be best pleased if you claim that she stole the car!
its an absolute offence,thats all the police will look at.
go and see a soliciter and see what he says.you get half an hour free.
good luck.
use a name:
go and see a soliciter and see what he says.
This^
If only people bothered to read their insurance docs to find out what they are/aren’t covered for.
Ady, although you were obviously well intended, I’m sure you would have been better letting the GF arrange her own insurance as no doubt she did many time before you met her, then spending some of your money to add her as an additional driver of your car.
I know very well that feeling of sitting in the back of a Police X5 having my time wasted, having just recently changed my motor trade insurance policy provider after 25 years and the new insurer, Aviva (or whatever their name is this week) being a bit slow on adding own vehicles to the database 
(with AXA I could access it & do it myself).
why do they need to keep your license[plastic part] and also the paper part,
I would rather give it to them then having to go to a police station to produce it. Either way it gets taken from you it will be returned at a later date.
if there doing you for not being insured for the car your driving at the time why do they need to see the certificate for the car your insured too drive
On some insurance’s your allowed to drive other cars with the drivers permission but your mates car has to be fully insured and if it is, you will be covered 3rd party only.
if your insured for your own car fully comprehensive are you not allowed to drive any other car with the owners permission.
I pay a little extra to be able to drive other peoples cars with there permission. If you get your mate to look at her insurance to see if she is able to drive other cars then she will be fine but if not then she is buggered.
if there going to seize car because they claim cars not insured,can they seize it if owner[insured for that car] turns up.
.
Still allowed to seize it as the offence was committed before the owner was there
Hope this helps
mickyblue:
If you get your mate to look at her insurance to see if she is able to drive other cars then she will be fine but if not then she is buggered.
It’s his girlfriend and as she isn’t talking to him at the moment I don’t think there will be any of that going on for the foreseeable future. 
to true coffee , so true, god bless him
ady1:
Coffeeholic:
ady1:
Coffeeholic:
ady1:
i insured her car for here[saved a few pence] and told her she was fine tio use mineUsually the saving of a few pennies on car insurance comes at the expense of things such as being able to drive another vehicle not owned or hired by you on a third party basis. My fully comp policy doesn’t come with that option as standard.
ady1:
are there any flower shops open on a sunday eveningBest get to one of the online flower sellers and order the “I’m sorry for the 6 points and £200 fine” bouquet. Don’t spend too much though as you might need to save some to pay your fine for permitting the use of your vehicle without insurance, not to mention the 6 - 8 points you are looking at. Not a good start to the year.
you live and learn,cheapest is not always best
,points,i seem safe at the moment,i…
You are likely to be contacted by the police at some point with a view to prosecuting you for allowing your vehicle to be used without insurance and that is a fine and 6-8 points for you.
I have a letter here for the last tenant of my flat which I accidentally opened when I got in Friday night, shook me up at first until I realised it wasn’t for me. I am returning it to sender tomorrow as it is from Bedfordshire Police following up a motoring offence and asking her to fill in various forms and for her car insurance policy as it appears she allowed a bloke to drive the vehicle without insurance. The letter also warns she faces prosecution if her policy does not allow other drivers and details the penalties she faces.
I’m guessing this ties in with the two letters I have returned to Coventry Court in the last 4 - 6 weeks which were addressed to the bloke mentioned in the letter from Beds Police.
any idea what the best line of defence is
I take it that you insured her car with you as the policy holder and your g/f as a named driver on that particular car, if you read the details correctly it does say that the policy holder may drive other cars not leased or hired with the owners permission. This won’t cover a named driver to do the same.
Might be a bit late for this but the best option would be to go to court. The explanation you’ve offered here might see you getting off with a lighter punishment. I’d also say that under the circumstances i.e. you both have comprehensive policies, there’s a chance you won’t hear any more. I hope she was polite!