Two Insurance Policies on One Car

[Steffan]

LoonR1 said:

Where I'm struggling with this is that the new V5 says transfer of ownership in Feb, no insurance in June.

The process is this:

Registration numbers checked by the MIB against MID -----> uninsured vehicles identified ---> these vehicles checked against RK records ---> letter sent to RK to advise to insure or face penalty ---> 2nd and final warning sent ---> fine issued.

So if the car was insured from Feb and the transfer of ownership was completed in Feb how is this possible? The OP also states that the transfer date is now confirmed as Feb, it that differs for what he said earlier and that it's only just come through.

Unless the MIB are using data that's four months out of date then this can't happen.

I have been stopped more than once by the Police over the years for the car not showing current insurance. On each occasion this has been because the database has been in error and a quick phone call to the insurers has seen me on my way. Taking the comments of the OP at face value it would seem the cars was sold in February and the DVLA have now registered this fact. This being the case it is difficult to see how the OP could be responsible for any failing in the car at all from the date of ownership change which has been effected aparrently. It s something of a mystery.

[Mr GrimNasty]

It sounds like the vehicle has been registered as in trade, so there is a 90 day allowance before CIE kicks in.

Something has gone wrong after that!

[anonymous-user]

LoonR1 said:

Where I'm struggling with this is that the new V5 says transfer of ownership in Feb, no insurance in June.

The process is this:

Registration numbers checked by the MIB against MID -----> uninsured vehicles identified ---> these vehicles checked against RK records ---> letter sent to RK to advise to insure or face penalty ---> 2nd and final warning sent ---> fine issued.

So if the car was insured from Feb and the transfer of ownership was completed in Feb how is this possible? The OP also states that the transfer date is now confirmed as Feb, it that differs for what he said earlier and that it's only just come through.

Unless the MIB are using data that's four months out of date then this can't happen.

In answer to the above, I never received a letter advising to insure. The first correspondence was from the DVLA saying 'Here's your £100 fine for having failed to insure this vehicle (note: past tense). There was no first, second and/or final warning.

That letter was received in late July. I cancelled my insurance when I sold the car in Feb. At that time I cancelled my insurance and the new owner started theirs. Nothing unusual there.

Date on new RK V5 gives the 28th Feb as the change date. It doesn't differ from what I've said. I stated that the ACKNOWLEDGEMENT SLIP came to me in mid-August, around the same time the new RK received the V5 with the February date on. It took the DVLA 6 months to finally process the change.

Here's what happened in all probability: DVLA receive V5 shortly after car sold, lose it and don't log change. When my old insurance policy *would* have been up for renewal, it's get's flagged up as they don't know the car has changed hands and waste no time in sending out the fine.

[anonymous-user]

Steffan said:

Taking the comments of the OP at face value it would seem the cars was sold in February and the DVLA have now registered this fact. This being the case it is difficult to see how the OP could be responsible for any failing in the car at all from the date of ownership change which has been effected aparrently. It s something of a mystery.

Absolutely. Everything I have posted here is exactly what's happened. There's no crucial fact omitted.

I've written back to the DVLA this morning stating that now the date of RK change is verified as Feb I am not obliged for anything to do with the car from that date onwards.

[Steffan]

Phil303 said:

Steffan said:

Taking the comments of the OP at face value it would seem the cars was sold in February and the DVLA have now registered this fact. This being the case it is difficult to see how the OP could be responsible for any failing in the car at all from the date of ownership change which has been effected aparrently. It s something of a mystery.

Absolutely. Everything I have posted here is exactly what's happened. There's no crucial fact omitted.

I've written back to the DVLA this morning stating that now the date of RK change is verified as Feb I am not obliged for anything to do with the car from that date onwards.

I do understand why!

Given the facts I cannot see any action on any matter some months after the car was sold can be your responsibility. I hope this settles the matter.

[anonymous-user]

I'll stop posting here as the main issue is equally covered under the original topic http://www.pistonheads.com/gassing/topic.asp?h=0&a...

Edited by Phil303 on Wednesday 10th September 10:20

[B'stard Child]

Phil303 said:

I'll stop posting here as the main issue is equally covered under the original topic http://www.pistonheads.com/gassing/topic.asp?h=0&a...

Edited by Phil303 on Wednesday 10th September 10:20

Great cos this was getting confusing

The key point in this thread is you have documentation from DVLA showing date of Keeper change as 28th Feb (from memory)

They are asking you to pay a £100 fine for failing to insure a the car after that date - Yes?

Point out those two facts - just those two facts nothing else - do it in bold/CAPS or whatever

My understanding is you cease to be liable for insuring a vehicle when it changes hands.