Insurance company

The insurance company always took the money from the banned Corsa driver

A DRIVER who ended up in court has been scratching his head after his insurance company still took his money despite being banned.

Philip Hudson of Vesta Tilley Court in Worcester, who also breached a suspended sentence, admitted driving while disqualified and using a car without insurance when he appeared before Worcester magistrates on Thursday.


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On March 10, the 27-year-old was arrested while driving a Vauxhall Corsa on Battenhall Road.

Mark Turnbull, defending, said Hudson had an insurance policy but, because he did not have a license, the policy was invalid.

“You took my money away from me for an insurance policy that was never valid,” Hudson allegedly told his lawyer, referring to the insurance policy.

The attorney said there were no aggravating features to the conduct itself. “There is nothing wrong with the nature of his conduct,” Mr Turnbull said.

He added: “That very rightly and squarely falls into the lowest category of guidelines.”

Violations, he argued, would result in between six and eight penalty points. Hudson is also in breach of a suspended sentence from Crown Court.

However, Mr Turnbull urged the magistrates to deal with the case rather than referring the matter to the prosecution.

“I would say, given the nature of the offence, it’s not something you need to confuse the Crown court with. It’s a different offence. I would say it’s something you this court should deal with,” he said.

The magistrates sanctioned his license with six penalty points for driving without insurance. They also fined him £80, reduced by £120 to reflect his guilty plea at the earliest opportunity.

They further ordered him to pay a victim surcharge of £34 and a contribution to costs of £135.

Magistrates also issued a fines recovery order, giving the court additional powers to recover the money. The bench also warned him that he would have to apply for his license from the DVLA when the disqualification ended. “You can no longer drive until you have the license in hand,” the president told him.