Rod
Sorry to hear of your circumstances. In my experience, there is only a very rare number of occassions where the issue of a HO/RT/1 (Home Office/Road Traffic/form one) is needed. ALL driver details are now available via the Police National Computer, Driving licence status including date of test pass, penalty points and entitlements, date of MOT (only a VERY few garages issue old, non computer types) and the big bugbear - insurance.
The Motor Insurers Bureau supply details of insurance held to PNC. It can show validity dates, policy holder, entitled drivers and whether it covers you to drive other vehicles. Again, 99.9% of companies supply the info. Some do not. (Ironically, Police Mutual Insurance who cover quite a number of Police Officers cars as wella s support staff, do not!!)
Sometimes the system is down which forces the issue of a Hort1.
Agreed, your being charged seems heavy handed and a waste of everyones time - it probably will be in the longer run, seeing as you are an honest type!! Please bear in mind that not all customers are as genuine. With others, considerable time could be later wasted trying to follow up enquiry by two Officers to trace and charge. It soon mounts up.
In all honesty, it is probable that as long as you contact the reporting officer with the original genuine Ins Cert showing cover, even though its outside the 7 days allowed, the whole thing should die a natural death.
HtH
B