Am I driving uninsured?
Discussion
So Im sat at home messing around with www.askmid.com (I may or may not have been running the Polski's downstairs s
tbox beemer plate, in a bid to get a bargaining chip next time their music was too loud) and when I stuck my own no. plate in, it says Im not insured!!
Rang the boss, he said everything is fine as its registered as part of our fleet policy. But Im sure in the past Ive run my own plate and its been recognised (same plate), so why isnt it now?
Anyone know anything else about how this works?
Concerned, of Dorset.
tbox beemer plate, in a bid to get a bargaining chip next time their music was too loud) and when I stuck my own no. plate in, it says Im not insured!!Rang the boss, he said everything is fine as its registered as part of our fleet policy. But Im sure in the past Ive run my own plate and its been recognised (same plate), so why isnt it now?
Anyone know anything else about how this works?
Concerned, of Dorset.
Tony*T3 said:
They probably have a group insurance policy that covers 'all cars' and deosnt specifically have to name each and every one.
+1, thats the way my wife's last company ran their fleet - no one had their own company car, there was a pool of Golf's you lifted as and when you needed. Was handy when she had one over the weekend as they turned a blind eye to how much diesel she used 
They just had one big floating policy they added all the employees names to.
Tony*T3 said:
They probably have a group insurance policy that covers 'all cars' and deosnt specifically have to name each and every one.
The firm I used to work for had that, but did need notifying if the vehicle was being kept longer than 28 days IIRC?To the OP, ask the boss for a copy of the insurance certificate. I had to when I got stopped while working for the post office. It read something along the lines of:
Persons entitled to drive
Any person in the employ, or acting on behalf of, or under the instruction of any employee of the royal mail or its partners.
Vehicles covered
Any vehicle belonging to, or being lent,rented,borrowed or undertaking any form of work, or acting on the instruction of etc etc.
The plod I produced it to, had a laugh, and suggested it covered just about most people in the world if stretched
I'm guessing, but it sounds like the transfer of your private plate to the company owned vehicle (?) has not been completed successfully.
I have a couple of number plates on retention (i.e. not on a vehicle at the moment) and I've just run those through that website and they come up (correctly) as not insured.
You need to check the V5 document for your car - or have your fleet person check it.
Thanks chaps. The gist seems to be that Im ok then I would say(?)
Im a sales rep (well, it IS a Mondeo) but we do have a pool of vehicles all on one policy.
I do have an insurance document, but I think its at work.
Although I do get the feeling that pleading ignorance cause the boss says Im in the clear, wont hold much water at the roadside.
Im a sales rep (well, it IS a Mondeo) but we do have a pool of vehicles all on one policy.
I do have an insurance document, but I think its at work.
Although I do get the feeling that pleading ignorance cause the boss says Im in the clear, wont hold much water at the roadside.
308mate said:
Thanks chaps. The gist seems to be that Im ok then I would say(?)
Im a sales rep (well, it IS a Mondeo) but we do have a pool of vehicles all on one policy.
I do have an insurance document, but I think its at work.
Although I do get the feeling that pleading ignorance cause the boss says Im in the clear, wont hold much water at the roadside.
It won't. Im a sales rep (well, it IS a Mondeo) but we do have a pool of vehicles all on one policy.
I do have an insurance document, but I think its at work.
Although I do get the feeling that pleading ignorance cause the boss says Im in the clear, wont hold much water at the roadside.
Does it have your own plate on it? If it has the company/original plate on it, you should be insured under the group policy.
Erm. No. Technically you may be insured and the insurance company would honour any incident, but you are likely to be pulled by the rozzers.
On any 'group' insurance policy (e.g. motor trade or fleet) you have up to 14 days to inform your insurance company of any vehicle in your posession. The only exceptions are if the vehicle is declared SORN or not in your posession for more than 14 days.
Insurance companies have 5 days to inform the MID of any updates (in reality they do it within 2 days) and the MID update the database daily.
If your vehicle is not on there, get in touch with your insurer immediately as the police also use this database.
On any 'group' insurance policy (e.g. motor trade or fleet) you have up to 14 days to inform your insurance company of any vehicle in your posession. The only exceptions are if the vehicle is declared SORN or not in your posession for more than 14 days.
Insurance companies have 5 days to inform the MID of any updates (in reality they do it within 2 days) and the MID update the database daily.
If your vehicle is not on there, get in touch with your insurer immediately as the police also use this database.
markmullen said:
I just checked one of our fleet of courtesy cars (leased) which wasn't on.
I do know however our motor trade insurance covers anyone for any vehicle (apart from a weird exclusion for steamrollers)
True, however, it is a requirement that vehicles which are to be retained for more than 14 days be notified to the MID for compliance purposes. Therefore the certificate will not be vehicle specific, same as Motor fleet insurance. The wording will probably state: Any vehicle in the custody or control of the insured blah, blah, blah... I do know however our motor trade insurance covers anyone for any vehicle (apart from a weird exclusion for steamrollers)
Gassing Station | General Gassing [Archive] | Top of Page | What's New | My Stuff