Thanks but that is not the case. I have been in touch with motoring defence lawyers and they confirmed otherwise.

Thank you but please read my question properly, we know about the conviction, the question is about whether or not to go to court and receive a short ban as opposed to points and the effect on his future premiums in light of a conviction with or without points

Dear all, I am writing this on behalf of my 18 year old son who has held his license for 3 months and who was caught by the police driving without insurance accidentally. History - My son drives the family car under temporary insurance provided by the insurance company that my wife has comprehensive insurance on. He usually pays between £5.60 and £10.90 per 24 hour cover period. we have multiple spent cover notes to attest to this fact. Last week he took out the usual cover online with the insurer but failed to notice an error on completion of the cover process due to the insurance company having re-assessed his risk profile before leaving the computer before the transaction had completed as it was the final step and he has performed this task multiple times did not expect any error or failure of the process. Neither did he intend to drive without cover. We have the browser evidence showing that he was in the process of insuring the vehicle before driving it, The question - My son now faces two choices, 1) Not accepting the endorsement and going to court in order to plead guilty but with special reasons and demonstrate to the court that he did not know that he was without insurance and provide evidence to the fact that he was in the process of adding temporary cover on the day preceding the event and that he has evidence of multiple previous cover notes. If special circumstances are not accepted then we would ask for consideration in a temporary ban and no points on his license, 2) Accept the endorsement, have his license revoked, apply for provisional, re take his test, accept points on license for the next 3 years. Which of these 2 options would result in a cheaper premium once convicted ? Would an insurer take in to consideration that he was not given points which means that the court did not see him as intentionally driving without insurance ? The question is directly related to the cost of future insurance in each scenario. Many thanks

Done and dusted - I used the money claims online form and have submitted it. In the meantime P2G have closed my claim !!

Done and dusted

Bankfodder suggested i did

Form N1 comleted - where do I send it ? the guidance doesnt say ?

N1 Downloaded Reply from P2G having received the LBA " Good Morning , We have received your "Letter of Claim" regarding the above-mentioned claim and we would like to apologise for the trouble you have encountered. As we have advised in our previous correspondence, you declined to fully protect your contents, to the declared value of £200.00. As such, we are only liable for the value of protection in place of £20.00. Per our terms and conditions, you agreed to; https://www.parcel2go.com/terms-and-conditions 6.4 We shall only be liable for damage or loss caused to you if it is caused by our negligence, breach of duty or other wrongful act or omission, and only subject to the limitations set out within this clause 6 and clause 7. 6.5 We shall not be liable to you under any circumstances for: (a) any direct or indirect loss (including, but not limited to loss of profits, or loss of goodwill); or (b) any other special or indirect losses, costs, damages, or claims which do not arise naturally as a result of our negligence, breach of duty, or other wrongful act or omission. The Limitation on the Amount of our Liability 6.7 If we are liable to you for any reason, we shall (subject always to clause 7) only be liable to refund to you the cost paid for the Service(s), unless you have purchased Parcel Protection for your Consignment from us. For the avoidance of doubt, this includes any Parcel Protection that you may require in respect of any items listed on the “Items Protected for Loss Only” and “No Protection Items” lists. No level of Parcel Protection that you purchase from us will render allowable any item which is on the “Prohibited Items” list. Where you purchase Parcel Protection for your Consignment from us, our liability to you is limited to the lesser of: (i) the value of the Parcel Protection taken out; or (ii) the actual value of the Consignment at the date of loss or damage (as applicable). Where you do not purchase Parcel Protection, you confirm that you accept the risks of not doing so. After further review, as a goodwill gesture, without prejudice, I would be happy to increase the offer to £50.00, which is 25% of the declared value, as this is your first claim with us. I fully understand this is not the amount you wished for as per your previous email and you wish to take this matter further, and of course that is your prerogative to do so, however, I must strongly advise you that should an item become lost or damage and we accept liability, which we have in this instance, as per our terms we will only be liable for the cost of service unless protection has been purchased, in this instance it was for the standard £20.00, this does mean we are only liable for this amount. However, on this occasion as a gesture of goodwill without prejudice, a revised offer has been made. Further to the above, I have made a last push to the courier to conduct some further depot and lost property searches. We will get back to you as soon we have heard back. Kindest Regards David Schnur

Letter of claim sent !

And a new email - Good Afternoon As advised in our previous email, you declined to fully protect your contents, to the declared value of £200.00. As such, we are only liable for the value of protection in place of £20.00. Per our terms and conditions, you agreed to; https://www.parcel2go.com/terms-and-conditions 6.4 We shall only be liable for damage or loss caused to you if it is caused by our negligence, breach of duty or other wrongful act or omission, and only subject to the limitations set out within this clause 6 and clause 7. 6.5 We shall not be liable to you under any circumstances for: (a) any direct or indirect loss (including, but not limited to loss of profits, or loss of goodwill); or (b) any other special or indirect losses, costs, damages, or claims which do not arise naturally as a result of our negligence, breach of duty, or other wrongful act or omission. The Limitation on the Amount of our Liability 6.7 If we are liable to you for any reason, we shall (subject always to clause 7) only be liable to refund to you the cost paid for the Service(s), unless you have purchased Parcel Protection for your Consignment from us. For the avoidance of doubt, this includes any Parcel Protection that you may require in respect of any items listed on the “Items Protected for Loss Only” and “No Protection Items” lists. No level of Parcel Protection that you purchase from us will render allowable any item which is on the “Prohibited Items” list. Where you purchase Parcel Protection for your Consignment from us, our liability to you is limited to the lesser of: (i) the value of the Parcel Protection taken out; or (ii) the actual value of the Consignment at the date of loss or damage (as applicable). Where you do not purchase Parcel Protection, you confirm that you accept the risks of not doing so. After further review, as a goodwill gesture, without prejudice, I would be happy to increase the offer to £50.00, which is 25% of the declared value, as this is your first claim with us. I fully understand this is not the amount you wished for as per your previous email and you wish to take this matter further, and of course that is your prerogative to do so, however, I must strongly advise you that should an item become lost or damage and we accept liability, which we have in this instance, as per our terms we will only be liable for the cost of service unless protection has been purchased, in this instance it was for the standard £20.00, this does mean we are only liable for this amount. However, on this occasion as a gesture goodwill without prejudice, a revised offer has been made. If you wish to pursue further, this may be sent in writing to the below address: Parcel2go The Cube Coe Street Bolton BL3 6BU Once again, I would like to offer my sincerest apologies for any inconvenience this matter has caused. Kindest Regards

They replied with a revised offer of £50 After careful consideration, our case team have now revised the offer for your claim against xxxxxxx We hope our latest decision meets with your expectations. what happens next? Once you've accepted an offer of settlement, we'll transfer your reimbursement via your preferred method of payment.

I am a sole trader, In partenership with wife but not incorporated

Thank you - This is a business claim though, I run an injector business. I will send them the above. Thanks again.

It was in one of your replies under letter of claim, I used the pre action protocol https://www.justice.gov.uk/courts/procedure-rules/civil/pdf/protocols/debt-pap.pdf

@BankFodder Thank you but I did read the guidance andit stated that they had 30 days inwhich to respond so I didnt include a time frame, I will amend. Amended below - etter Of Claim: Parcel to go shipment reference P2G114502299 I am writing this letter of claim in accordance with the pre action protocol for debt claims. On the 26/4/2023 I employed Parcel2go to deliver a parcel to United Diesel Fuel Injection Services on a next daye delivery. The value was declared as £200. On the 2/5/2023 I was informed by Parcel2Go that the parcel had gone missing and that they were making enquiries with the delivery company as to the whereabouts of my parcel. On the 9/5/2023 I was informed byParcel2Go that the courier was unable to locate said parcel and that I was to consider it a total loss. As such Parcel2Go is in breach of the contract I had made with them to deliver the parcel to its final destination. This has caused a loss of £280 which is the price I paid for said injectors contained in the parceI. I enclose the receipt for said purchase totaling £280. The outstanding Debt of £280 can be paid to the following account details. Ronen Ilan Goodfriend Sort Code 40-29-03 Account Number 81322923 Payment must be made by the date no later than 5/6/2023 or I will have begin court proceedings in the county court. Yours Sincerely R I Goodfriend BSc.