Driving no insurance

[saaby93]

Deva Link said:

saaby93 said:

Deva Link said:

Thursday. Daughter said they seemed mortified and they did agree to do it for the same price so she was fairly happy. But a no insurance conviction could have been a significant issue in her job.

She shouldnt have been happy at all. Those two days she was driving around without cover. Which is where we came in.

Yep. And that's because it wasn't done in time to ensure that she had the new certificate in her hand on the day the policy started.

Is that a poor assumption? What would most people expect
If we go out for dinner tonight do we check credit card?
If we book a holiday, do we check our passports?
When we drive to work. Do we hunt around for the insurance certificate?

[Deva Link]

saaby93 said:

When we drive to work. Do we hunt around for the insurance certificate?

No - but you should (but of course no-one does) make sure you have the new cert at the start of the policy term.

[saaby93]

Deva Link said:

No - but you should (but of course no-one does) make sure you have the new cert at the start of the policy term.

What's the OP looking at for doing same?

[Deva Link]

saaby93 said:

Deva Link said:

No - but you should (but of course no-one does) make sure you have the new cert at the start of the policy term.

What's the OP looking at for doing same?

There's a fixed penalty of £200 and 6 points. Don't understand why he's going to court unless he hopes to get off with it.

ETA: Plus an IN10 code on his licence. Wonder what that does to future premiums?

Edited by Deva Link on Tuesday 7th December 18:10

[ZOLLAR]

Deva Link said:

saaby93 said:

Deva Link said:

No - but you should (but of course no-one does) make sure you have the new cert at the start of the policy term.

What's the OP looking at for doing same?

There's a fixed penalty of £200 and 6 points. Don't understand why he's going to court unless he hopes to get off with it.

ETA: Plus an IN10 code on his licence. Wonder what that does to future premiums?

It means most mainstream insurers won't touch him with a bargepole.

Edit to add he'll have to notify the insurers of his other cars at renewal that he has an IN10 chances are they'll withdraw renewal when told (thats if his cars are elsewhere and not with the same insurer)

Edited by ZOLLAR on Tuesday 7th December 18:33

[saaby93]

ZOLLAR said:

It means most mainstream insurers won't touch him with a bargepole.

so what does he do?
What's the usual defence when this happens after a mistake by the insurer?

[ZOLLAR]

saaby93 said:

ZOLLAR said:

It means most mainstream insurers won't touch him with a bargepole.

so what does he do?
What's the usual defence when this happens after a mistake by the insurer?

Well as i said if the insurer is at fault they will provide indemnity but if the courts ignore that and still give an IN10 he will have to still declare it, perhaps the insurer he is with would pay a certain amount of compensation perhaps it will go to the FSO or FSA not really sure TBH i've never come across that occurance as its pretty rare.

[boobles]

Surely you're insurer would have made every effort in contacting you to inform you that you're insurance was about to expire? They want you're business after all so I would be amazed if they didn't inform you before it actually expired.

[ZOLLAR]

boobles said:

Surely you're insurer would have made every effort in contacting you to inform you that you're insurance was about to expire? They want you're business after all so I would be amazed if they didn't inform you before it actually expired.

There is only so much they can/are required to do, insurance companies don't have whole departments dedicated to ringing every policyholder whose premium rejects if they did the staffing numbers would need to increase by a few hundred so the benefits don't outweigh the costs.

[saaby93]

ZOLLAR said:

TBH i've never come across that occurance as its pretty rare.

From previous posts here it's common enough for the insurer to fail to insure. How often would someone have an accident or trigger an ANPR in that time based on this example how many does that scale up to across the UK?

Do the uninsured driver stats break down to this level? How many policy holders thought they had insurance but didn't due to process failure at renewal?

[boobles]

ZOLLAR said:

boobles said:

Surely you're insurer would have made every effort in contacting you to inform you that you're insurance was about to expire? They want you're business after all so I would be amazed if they didn't inform you before it actually expired.

There is only so much they can/are required to do, insurance companies don't have whole departments dedicated to ringing every policyholder whose premium rejects if they did the staffing numbers would need to increase by a few hundred so the benefits don't outweigh the costs.

But surely they would send out a letter as proof that they informed the OP rather than just a phone call.

[saaby93]

boobles said:

I would be amazed if they didn't inform you before it actually expired.

You'd be amazed that as it stands if they make a mistake it's your lookout not theirs
Are you ready for 6 points and a hefty fine?

If the points were transferrable back to the insurance company there might be a change in tack. Otherwise it's no skin off their nose - why change?

ETA: Dont forget about the future increased premium receipts too

Edited by saaby93 on Tuesday 7th December 19:10

[SS2.]

saaby93 said:

What's the OP looking at for doing same?

There is a clue towards the start of this thread..

Deva Link said:

There's a fixed penalty of £200 and 6 points. Don't understand why he's going to court unless he hopes to get off with it.

AIUI, not all constabularies offer a fixed penalty for this offence (not that those who do are obliged to offer FPNs anyway).

[ZOLLAR]

boobles said:

ZOLLAR said:

boobles said:

Surely you're insurer would have made every effort in contacting you to inform you that you're insurance was about to expire? They want you're business after all so I would be amazed if they didn't inform you before it actually expired.

There is only so much they can/are required to do, insurance companies don't have whole departments dedicated to ringing every policyholder whose premium rejects if they did the staffing numbers would need to increase by a few hundred so the benefits don't outweigh the costs.

But surely they would send out a letter as proof that they informed the OP rather than just a phone call.

Well one would hope so, that is the procedure.
Send a letter allow a 10 days for response send another giving 10 days then cxx (the amount of days given by insurer may vary).
Its highly unlikely that the insurer just cancelled without some form of letter going out however once its goes into the postal system there is no way of knowing if it'll arrive and paying for a recorded letter to a PH for each document would be very expensive.

[SS2.]

saaby93 said:

From previous posts here it's common enough for the insurer to fail to insure.

You mean previous posts where we have been given only one side of the story ?

ZOLLAR said:

Send a letter allow a 10 days for response send another giving 10 days then cxx (the amount of days given by insurer may vary).

Quite. Which is why I don't share the opinion that occurrences of insurers simply 'failing to insure' are 'common enough'.

[saaby93]

SS2 you might know about these things
Do you have access to any stats for how many stops were for where people thought they were insured but werent, rather than those who just hadn't bothered?

ZOLLAR said:

Send a letter allow a 10 days for response send another giving 10 days then cxx (the amount of days given by insurer may vary).
Its highly unlikely that the insurer just cancelled without some form of letter going out however once its goes into the postal system there is no way of knowing if it'll arrive and paying for a recorded letter to a PH for each document would be very expensive.

By then it's too late they're already in the process for 6 points.

What's it called when there is a peverse incentive not to fix a problem. There was a case a few months ago - I dont think it was in banking - some other body?

Edited by saaby93 on Tuesday 7th December 19:23

[ZOLLAR]

saaby93 said:

ZOLLAR said:

Send a letter allow a 10 days for response send another giving 10 days then cxx (the amount of days given by insurer may vary).
Its highly unlikely that the insurer just cancelled without some form of letter going out however once its goes into the postal system there is no way of knowing if it'll arrive and paying for a recorded letter to a PH for each document would be very expensive.

By then it's too late they're already in the process for 6 points.

What's it called when there is a peverse incentive not to fix a problem. There was a case a few months ago - I dont think it was in banking - some other body?

Uh no doing this process they are still insured and on MID so the police wouldnt' pull them over, also the start of the 20 days response is from the renewal so if 20 days past your renewal you haven't notice an amount of money has left/been refunded to your account then thats your fault for not being responsible.
Saaby, honest answer please what would you want the insurers to do come renewal if your premium dosn't go through or are cancelling your policy? taken into account they have given you 20 days to respond and refunded premium.

[saaby93]

ZOLLAR said:

Saaby, honest answer please what would you want the insurers to do come renewal if your premium dosn't go through or are cancelling your policy? taken into account they have given you 20 days to respond and refunded premium.

Doh that's not whats going wrong here is it?
However given your desire to stop people having no insurance, the first thing is an acceptance there will be mistakes and a willingness to help when it happens

[ZOLLAR]

saaby93 said:

ZOLLAR said:

Saaby, honest answer please what would you want the insurers to do come renewal if your premium dosn't go through or are cancelling your policy? taken into account they have given you 20 days to respond and refunded premium.

Doh that's not whats going wrong here is it?
However given your desire to stop people having no insurance, the first thing is an acceptance there will be mistakes and a willingness to help when it happens

There is willingness, on the few times that an error has happened with my company where we've had the wrong reg or insurance has Lapsed incorrectly we have offered indemnity.

[saaby93]

ZOLLAR said:

There is willingness, on the few times that an error has happened with my company where we've had the wrong reg or insurance has Lapsed incorrectly we have offered indemnity.

Would that be enough to satisfy the RTA requirements of say the OP? It's probably more often than you think. See Deva link's post above where there was an acceptance of being left uninsured for 2 days. If the ANPR had triggered how would his daughter have felt with 6 points?