A 34-YEAR-OLD man who wasn’t aware that his car insurance had been cancelled before he was stopped by police has been warned to be “very careful” in future.

Krasimir Todorov, of Derrin Road, Enniskillen, was charged with using a motor vehicle without insurance at Windmill Heights, Enniskillen on January 27, 2017.

Todorov, who represented himself, entered a guilty plea when he appeared before Fermanagh Magistrates Court on Monday.

As he handed in a Bulgarian driving licence to the court, the defendant confirmed he was guilty, before adding: “I didn’t know the policy was cancelled.”

A further charge of not producing a certificate of insurance was withdrawn.

The court heard that, at 9.30pm, a police mobile patrol at Windmill Heights, spoke to the defendant, who was sitting in the driver’s seat of a Vauxhall Vectra.

He told the officers that he had driven to that location, but was unable to produce his insurance.

The defendant was then told to hand over a valid certificate at Enniskillen police station within seven days.

After a week had passed, checks were made and it emerged that Todorov’s insurance had not been produced.

When he was subsequently interviewed on March 2, the defendant admitted that he did not have valid insurance to use the vehicle on the night he was stopped, adding that he was “unaware” that the policy had been cancelled.

Todorov further told the officers that he “didn’t have time” to call into the police station in the seven days after the incident.

Explaining what had happened to the court, the defendant said that, prior to being stopped, he had moved his account to a different bank.

Todorov told the court that he had asked his old bank to pass on the details of his direct debit with the insurance company to his new bank, but this had not happened.

However, the defendant claimed that he had only received a letter informing him that his policy had been cancelled on February 6.

In mitigation, he told the court that the insurance situation had now been rectified.

District judge, Nigel Broderick, imposed a £200 fine, a £15 offender levy and endorsed his licence with six penalty points.

Warning Todorov to “be very careful”, the judge said the likelihood was he would be disqualified if caught without insurance again.