Earlier in the year my husband was driving his vanand he had a small amount of scrap metal from the garden in the back. He was on his way to the tip when he was stopped by the police for a "routine check". He had TPFT insurance on the van with More Than.

The police basically said that the van was uninsured to carry scrap metal in the back and sieized the vehicle. He then went to police station to show documents and the desk person said oh there is insurance on the van already, we explained that the other officer said about it not covering the transportation of scrap metal. We then had to get some new insurance which stated on the policy that he could carry scrap metal and it also says on the new policy that it was for social, domestic and pleasure etc.

What i need to know is can he be done for No insurance and 6 points on licence even if insurance was in place. The summons he received says they are charging him for no insurance in a third party capacity,which he did have.

Thanks for any advice....