My post was not meant to antagonise - if it did I apologise.
With regards the insurance, police have no power to report for No Insurance and seize a vehicle if it is insured to cover the driver, even if the car has no MOT, or even if the driver has not got a valid licence.
This is because the insurer has a iability to pay out to any third party, therefore the offence of no insurance is not complete (certainly this is the case in England..)
I do know however that most insurance companies would use either of these examples to not pay out to you the policy holder should you have a bump.
Therefore although it was valid you may have had to pay out for your own damage.
Of note I have even written the wrong index on a ticket before, a covering statement rectified this error - so as I said earlier I would strongly suggest taking it on the chin and paying the £60.
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