I don't think that it will affect your job, even if you have to drive a NHS vehicle. I got my "one and only" speeding ticket, while driving my ambulance, (due to work load which meant working an hour extra without pay?)It was about a month later, before management were informed by the police, but because I was never at our station much, they sent the letter to my home address, all it said was, that they knew that. I got a speeding ticket.
For certain offences, a NIP has to be given either (orally) at the time of the offence, or in writing to the vehicle's keeper within 14 days. (Road Traffic Offenders Act 1988).
Unfortunately, driving without insurance does not appear to be one of these offences, and so what the officer said at the time is irrelevant.
The six month limit for prosecution still applies.
The more I read this the more confused I get. As far as I can see the police had two choices - either issue a fixed penalty (of £300 and 6 penalty points) or arrest and report. They can also impound the car, but since the OP's girlfriend was insured to drive it, they had no need to do that.
It is not beyond the bounds of possibility that the policemen was incorrect in what he said, or that the OP, who was understandably very anxious, got confused. I guess we will only find out when (if) the OP tells us.
Note that the 6 month limit is not quite right - the case has to be laid before a court within 6 months - it may take a while after that before the OP hears anything.
Don't worry. I somehow feel this will all be finished with now, in your favour.
Santa wrote "As far as I can see the police had two choices - either issue a fixed penalty (of £300 and 6 penalty points) or arrest and report. They can also impound the car, but since the OP's girlfriend was insured to drive it, they had no need to do that."
I believe the police actually had three choices. Arrest was not one of them, unless there were other circumstances. The choices were:
1. Take no action (possible but unlikely)
2. Issue a fixed penalty notice (didn't happen)
3. Report for possible prosecution. That appears to be what the officer said he'd do, and there seem no reason to doubt him.
I will clear up some confusion for everyone.
Firstly, the offence has been committed,that is the one of no insurance.
Secondly, a verbal nip will have been given at the scene.
Thirdly,the officer will report the offence to the ticket/processing office who will deal.
I would expect a letter in the post soon op.
There is no need for a NIP for that offence, verbal or otherwise.
Why should the OP expect a letter soon? He may, but he may also hear nothing until a summons arrives.
So glad to have Loony's insight. Clearly he was observing what actually happened in the back of that police car, while I was not.