Driving no insurance
Discussion
saaby93 said:
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?In think it is laughable, actually more than laughable but I am *trying* to be nice in the face of my growing desire to start reporting your libellous posts about insurers whilst supporting a single Accident Management Co, that you think you have more information on the incidences of incorrect renewal than insurers do. It is very rare. The majority of cases (and I know this first hand) are of people being to busy to deal with it. It is easy to "just assume".
Noger said:
In think it is laughable, actually more than laughable but I am *trying* to be nice in the face of my growing desire to start reporting your libellous posts about insurers
Noger let me know where I might have said something libellous? I thought it was me that had been on the receiving end of some dodgy posts!saaby93 said:
Noger said:
In think it is laughable, actually more than laughable but I am *trying* to be nice in the face of my growing desire to start reporting your libellous posts about insurers
Noger let me know where I might have said something libellous? I thought it was me that had been on the receiving end of some dodgy posts!
But you said on the thread in GG that all insurers "lose" your modifications details (they don't) and now you are suggesting that it is common for insurers to screw up renewals (it isn't, nobody "presses the wrong button", it is a computer). I could go on. Moan all you like, but if you are using facts please try to make them that, facts not opinions dressed up as facts.
Noger said:
I could go on. Moan all you like, but if you are using facts please try to make them that, facts not opinions dressed up as facts.
Do you mean this threadhttp://www.pistonheads.com/gassing/topic.asp?h=0&a...
Which bit is nearly libellous and why not point it out there?
And I know the best form of defence is attack but why have you said I've suggested something here that I haven't although you'll have to say what you mean by common?
How does this help people in the OPs position ?
Oh goody another saaby "what if......" thread, that's competely taken the thread off topic and onto another of his ridiculous comspiracy theories.
People don't forget to insure their car, just like they don't forget to MOT their car, or to tax it, or to pay their credit card / phone / gas / water / electric / Council tax bill
What they tend to do is they put it off until "a bit later in the month", then they defer it a bit more.
Insurance, whether through a broker or direct will always send a renewal letter or letter to sadly inform they can no longer offer cover around 2 -3 weeks before it's due, many more then send another reminder and a lot still send a letter advising that your insurance has expired, along with a letter confirming NCD entitlement.
Total honesty, it seems strange to me that a broker who used to offer a specialist scheme, that's been withdrawn is unable to offer renewal terms on any of their schemes.
People don't forget to insure their car, just like they don't forget to MOT their car, or to tax it, or to pay their credit card / phone / gas / water / electric / Council tax bill
What they tend to do is they put it off until "a bit later in the month", then they defer it a bit more.
Insurance, whether through a broker or direct will always send a renewal letter or letter to sadly inform they can no longer offer cover around 2 -3 weeks before it's due, many more then send another reminder and a lot still send a letter advising that your insurance has expired, along with a letter confirming NCD entitlement.
Total honesty, it seems strange to me that a broker who used to offer a specialist scheme, that's been withdrawn is unable to offer renewal terms on any of their schemes.
R1 Loon said:
Oh goody another saaby "what if......" thread, that's competely taken the thread off topic and onto another of his ridiculous comspiracy theories.
People don't forget to insure their car, just like they don't forget to MOT their car, or to tax it, or to pay their credit card / phone / gas / water / electric / Council tax bill
What they tend to do is they put it off until "a bit later in the month", then they defer it a bit more.
Insurance, whether through a broker or direct will always send a renewal letter or letter to sadly inform they can no longer offer cover around 2 -3 weeks before it's due, many more then send another reminder and a lot still send a letter advising that your insurance has expired, along with a letter confirming NCD entitlement.
Total honesty, it seems strange to me that a broker who used to offer a specialist scheme, that's been withdrawn is unable to offer renewal terms on any of their schemes.
Are you sure its not another R1Loon lets have a go at Saaby and forget what the thread is about People don't forget to insure their car, just like they don't forget to MOT their car, or to tax it, or to pay their credit card / phone / gas / water / electric / Council tax bill
What they tend to do is they put it off until "a bit later in the month", then they defer it a bit more.
Insurance, whether through a broker or direct will always send a renewal letter or letter to sadly inform they can no longer offer cover around 2 -3 weeks before it's due, many more then send another reminder and a lot still send a letter advising that your insurance has expired, along with a letter confirming NCD entitlement.
Total honesty, it seems strange to me that a broker who used to offer a specialist scheme, that's been withdrawn is unable to offer renewal terms on any of their schemes.
(Is that libellous?)
saaby93 said:
Noger said:
I could go on. Moan all you like, but if you are using facts please try to make them that, facts not opinions dressed up as facts.
Do you mean this threadhttp://www.pistonheads.com/gassing/topic.asp?h=0&a...
Which bit is nearly libellous and why not point it out there?
And I know the best form of defence is attack but why have you said I've suggested something here that I haven't although you'll have to say what you mean by common?
How does this help people in the OPs position ?
Whining constantly about this doesn't help the OP. Maybe if they just had the facts, then they could make their own decision, rather than being bombarded with half truths.
If you don't have insurance you are uninsured.
You have always failed to provide a single fact based answer to any question posed about insurance here. All you do is ask semi-rhetorical questions and get confused over simple things.
saaby93 said:
Are you sure its not another R1Loon lets have a go at Saaby and forget what the thread is about
(Is that libellous?)
Nope and if you look really hard, you'll see I've passed comment relevant ot the OP. Unlike your "I drove the car in the snow today and the tyres never actually touched the tarmac, so does that meam I don't need insurance?" type of cock & bull.(Is that libellous?)
Noger said:
If you don't have insurance you are uninsured.
You have always failed to provide a single fact based answer to any question posed about insurance here.
Go on then show me where.You have always failed to provide a single fact based answer to any question posed about insurance here.
We know if you dint have inusrance youre uninsured - isnt that stating the obvious?
And we know some people deliberately dont take out insurance.
What I'm concerned for ( and I'd hoped youd be too ) is when someone believes they have insurance and it turns out they dont.
That's not good for them nor the rest of us if they have an accident.
Surely finding a way of minimising it must be a good thing?
richardsheen said:
i have two cars a motorbike,three houses and a business to insure. The insurance company who insured me pulled out of the TVR market and did not want to renew.
I do not gamble with my insurance. but thanks for your rather mindless comment
I've got 3 cars, 3 motor cycles home insurance etc and I've never forgot to insure any of them.I do not gamble with my insurance. but thanks for your rather mindless comment
That is despite the onset of old age.
I can't see a favorable out come for you on this apart from maybe 6 - 10 points or maybe a small ban.
saaby93 said:
Go on then show me where.
We know if you dint have inusrance youre uninsured - isnt that stating the obvious?
And we know some people deliberately dont take out insurance.
What I'm concerned for ( and I'd hoped youd be too ) is when someone believes they have insurance and it turns out they dont.
That's not good for them nor the rest of us if they have an accident.
Surely finding a way of minimising it must be a good thing?
Don;t be so stupid. People are responsible for their actions.We know if you dint have inusrance youre uninsured - isnt that stating the obvious?
And we know some people deliberately dont take out insurance.
What I'm concerned for ( and I'd hoped youd be too ) is when someone believes they have insurance and it turns out they dont.
That's not good for them nor the rest of us if they have an accident.
Surely finding a way of minimising it must be a good thing?
The driver of a vehicle is responsible for all aspects of it's roadworthiness, including insurance. if they choose to just hope that all is OK, then they're gambling and sometimes you lose when you gamble.
What do you want a full checklist for all drivers to complete in triplicate before they get in a car, then take it to a Post Office for an official stamp.
Stop being so ridiculous in your assertions and you might actually learn something.
SS2. said:
Biker's Nemesis said:
I can't see a favorable out come for you on this apart from maybe 6 - 10 points..
Not possible - 8 is the statutory maximum.He's still looking at a ban, points or a fine. the fine will of course depend on the defendants income so I suggest he fills in a means form deataling all his out goings.
R1 Loon said:
Biker's Nemesis said:
I've got 3 cars, 3 motor cycles home insurance etc and I've never forgot to insure any of them.
That is despite the onset of old age.
Don't be daft, the OP has already proved that by having 2 cars, a bike and 3 houses that this isn't possibleThat is despite the onset of old age.
Noger said:
If my insurance runs out TODAY, and TODAY I don't have the certificate that starts tomorrow, then I am going to worry. And call them.
Yep, been there done that:No certificate arrived.
"You are DEFINITELY insured" they said. "Certificate on its way, don't know why it hasn't gone out" they said.
A couple more working days pass.
"Oh, you're not insured at the moment..."
Get annoyed.
Fail to get proper explanantion as to why, get exasperated.
Fine, just insure it from now. Confirm all is hunky dory. "Yep, definitely insured from now"
Guess what..
Still no certificate...
Guess what...
"Sorry, a problem with 'our system' means you aren't insured at the moment"
That's twice that I was categorically assured I was insured, but wasn't.
HTF could that have been my fault?
Official complaint, phonecall from the area manager, reduction of the premium negotiated.
I've probably still got the correspondence about somewhere.
I will never touch that insurance company or its subsidiaries with a barge pole ever again.
Sadly, it would seem that that probably won't be enough to stop me possibly falling victim to such circumstances from other companies in the future.
Luckily, I was not involved in any incidents, nor was I picked up by plod.
Edited by chris1roll on Tuesday 7th December 22:23
Noger said:
saaby93 said:
Noger said:
In think it is laughable, actually more than laughable but I am *trying* to be nice in the face of my growing desire to start reporting your libellous posts about insurers
Noger let me know where I might have said something libellous? I thought it was me that had been on the receiving end of some dodgy posts! But you said on the thread in GG that all insurers "lose" your modifications details (they don't) and now you are suggesting that it is common for insurers to screw up renewals (it isn't, nobody "presses the wrong button", it is a computer). To be honest I'm amazed she opened the letter and didn't just toss it aside assuming it would be OK. That's why I did the insurance for her car myself.
I would have reacted to it still being missing from the database, but how many people would check that?
chris1roll said:
Noger said:
If my insurance runs out TODAY, and TODAY I don't have the certificate that starts tomorrow, then I am going to worry. And call them.
Yep, been there done that:No certificate arrived.
"You are DEFINITELY insured" they said. "Certificate on its way, don't know why it hasn't gone out" they said.
A couple more working days pass.
"Oh, you're not insured at the moment..."
Get annoyed.
Fail to get proper explanantion as to why, get exasperated.
Fine, just insure it from now. Confirm all is hunky dory. "Yep, definitely insured from now"
Guess what..
Still no certificate...
Guess what...
"Sorry, a problem with 'our system' means you aren't insured at the moment"
That's twice that I was categorically assured I was insured, but wasn't.
HTF could that have been my fault?
Official complaint, phonecall from the area manager, reduction of the premium negotiated.
I've probably still got the correspondence about somewhere.
I will never touch that insurance company or its subsidiaries with a barge pole ever again.
Sadly, it would seem that that probably won't be enough to stop me possibly falling victim to such circumstances from other companies in the future.
Luckily, I was not involved in any incidents, nor was I picked up by plod.
Edited by chris1roll on Tuesday 7th December 22:23
RTA says delivered for driving without, but says issued for insurer being liable.
So you can be insured, but not insured
In practice this doesn't always matter, as you have the defence of producing later when the thing does turn up. Post April this is a moot point, as they can just email you the cert.
The law is clear, and your ignorance of it no defence. Harsh, yes. But true, sorry.
I await getting shouted by people who fail to see the difference between an unpopular factual answer and crowd-pleasing opinion.
On a personal level, yes that is rubbish. But me thinking it is rubbish matters not one jot.
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