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  1. I was stopped in a random police check point on a Saturday on my way back from the cash and carry locally to where I live. I was driving my brothers vehicle as mine was being repaired. We both have fully comp insurance and both are covered to drive other vehicles with owners consent. The officer that stopped me asked where I was coming from and going to, I replied from the cash and carry and on the way home. I was asked for my Insurance and I explained that the vehicle was my brothers. The officer went to his car and returned saying I was uninsured and he would be seizing the vehicle. I explained I had Insurance on my own vehicle and gave him the registration. He went back to his car and returned saying I was not insured and he would be seizing the vehicle, which he did. I made my way home with my wife and the contents of the vehicle by mini cab. I then contacted my brother to explain what had happened and he went to the compound with his insurance and paid and retrieved his vehicle the same day. I was give a seizure proforma form by the officer and when I got home and tried to read it, I realised that it was unreadable and could not make out a single word on it. I have now received a conditional offer of fixed penalty but I will not pay it as I was insured. Being the first time I have been stopped and treated in this way, I am finding it hard to see why both Insurances came back as not insured . I think the officer inferred I was a business but could not check the proforma form when I got home as I have already stated it was unreadable. There is also nothing on the conditional offer form other than that I used a motor vehicle on a road/public place without third party insurance. Contrary to section 143 of the RTA 1988 and schedule 2 to the RTOA 1988. Having spoken to my insurance company they say I am insured by third party cover. I have told friends about this and amazed how many have said they have had similar experiences with the police as if it is the new thing to raise fines and endorsement's. One funny point is that adding business use to your cover is sometimes cheaper even if you don't have a business, it just stops this kind of police targeting to stop. My question is how to fight this, do I write to the processing services or can I write directly to the CPS. I have 21 days left in which to either accept a £300 fine and 6 points or defend myself. Any help/advice grateful.
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