repeatedly pulled for no insurance on national database...
Discussion
I changed vehicles back in January mid policy and called my insurer to inform them of the change for which they relieved me of an additional £90.
Since then I have been either working locally or on holiday, until last week when I started a job which required a daily run up the A1 each day.
Finishing on Friday I was cruising home at a steady 65-70 and passed a traffic car, I noticed him pull out behind me and when I pulled back into the inside lane he followed and on came the blue lights..
I pulled up and got out to ask what the issue was only to be told that my vehicle was showing as uninsured and without MOT.
I argued that it most definately was as I had just moted it on Monday morning and paid extra to change the vehicle on my insurance. They accepted that it may not be showing up on their systems yet if it was just moted on Monday, but it had never been insured..and they would be impounding the car if I was unable to provide evidence that it was insured.
This is when panic starts to set in, had I forgotted or missed the renwal whilst on holiday?
The traffic officer told me I would be best off trying to call home to get access to my insurance documents or the name of my insurer...cue the wife not answering her "mobile" phone as per bloody usual!
I just managed to remember the registration number of the previous car on the policy and gave those details to the officer - the answer came back - yes, that it is showing as insured on the database... then a very long sweaty wait in my car whilst they attempted to contact the insurance company.
As it turned out I was insured as I had thought, but the insurance company had failed to change the details on the national database and were unable to exlain why they had failed to do so. So three quarters of an hour wasted and now extremely late for picking up the kids I head off.
I returned home and wrote a letter/email of complaint to their "complaints team"
I didnt drive the car over the weekend, but this morning about 10 miles after leaving home I again see the blue lights behind me and get pulled over....
just no insurance this time, and only quarter of an hour wasted due to me carrying insurance documents with me this time! Although I was warned that I will be getting picked up regularly if the insurance company dont sort this out and a print out of the policy document isnt really evidence that the car is currently insured as I may have cancelled it....
So the insurance company, even after being informed of their error have still failed to update the insurance database and also failed to reply to my letter of complaint!
I am now wondering if I am about to recieve a load of letters from police HQ after being picked up by all the scammera vans I have passed in the last few weeks....
Since then I have been either working locally or on holiday, until last week when I started a job which required a daily run up the A1 each day.
Finishing on Friday I was cruising home at a steady 65-70 and passed a traffic car, I noticed him pull out behind me and when I pulled back into the inside lane he followed and on came the blue lights..
I pulled up and got out to ask what the issue was only to be told that my vehicle was showing as uninsured and without MOT.
I argued that it most definately was as I had just moted it on Monday morning and paid extra to change the vehicle on my insurance. They accepted that it may not be showing up on their systems yet if it was just moted on Monday, but it had never been insured..and they would be impounding the car if I was unable to provide evidence that it was insured.
This is when panic starts to set in, had I forgotted or missed the renwal whilst on holiday?
The traffic officer told me I would be best off trying to call home to get access to my insurance documents or the name of my insurer...cue the wife not answering her "mobile" phone as per bloody usual!
I just managed to remember the registration number of the previous car on the policy and gave those details to the officer - the answer came back - yes, that it is showing as insured on the database... then a very long sweaty wait in my car whilst they attempted to contact the insurance company.
As it turned out I was insured as I had thought, but the insurance company had failed to change the details on the national database and were unable to exlain why they had failed to do so. So three quarters of an hour wasted and now extremely late for picking up the kids I head off.
I returned home and wrote a letter/email of complaint to their "complaints team"
I didnt drive the car over the weekend, but this morning about 10 miles after leaving home I again see the blue lights behind me and get pulled over....
just no insurance this time, and only quarter of an hour wasted due to me carrying insurance documents with me this time! Although I was warned that I will be getting picked up regularly if the insurance company dont sort this out and a print out of the policy document isnt really evidence that the car is currently insured as I may have cancelled it....
So the insurance company, even after being informed of their error have still failed to update the insurance database and also failed to reply to my letter of complaint!
I am now wondering if I am about to recieve a load of letters from police HQ after being picked up by all the scammera vans I have passed in the last few weeks....
surveyor said:
Your assuming that a) their priority is the same as yours and b) that the police car gets updated in the same time...
No, I was assuming that they would handle their cock up immediately - as they should......and the Police car is connected to the national database, so would be updated as soon as the insurance company updated the details on the database...Oddly in the past 25 years I have actually bought insurance policies on Fridays and Saturdays and have until now, have never been pulled for lack of insurance cover on the national database.... shocker!
hedgefinder said:
surveyor said:
Your assuming that a) their priority is the same as yours and b) that the police car gets updated in the same time...
No, I was assuming that they would handle their cock up immediately - as they should......and the Police car is connected to the national database, so would be updated as soon as the insurance company updated the details on the database...Oddly in the past 25 years I have actually bought insurance policies on Fridays and Saturdays and have until now, have never been pulled for lack of insurance cover on the national database.... shocker!
Is the Insurer Hastings?
I strongly recommend you carry the current Certificate of Insurance with you, if you're stopped and produce this to the police and they still impound the vehicle (More likely to happen when your Insurer is closed and they cannot be contacted) then you can reclaim the associated costs from the police as the seizure of the car would not be valid
I strongly recommend you carry the current Certificate of Insurance with you, if you're stopped and produce this to the police and they still impound the vehicle (More likely to happen when your Insurer is closed and they cannot be contacted) then you can reclaim the associated costs from the police as the seizure of the car would not be valid
Store this on your phone and show any traffic officer insisting on impounding your car http://www.bailii.org/ew/cases/EWCA/Civ/2011/749.h...
hedgefinder said:
I changed vehicles back in January mid policy and called my insurer to inform them of the change for which they relieved me of an additional £90.
Since then I have been either working locally or on holiday, until last week when I started a job which required a daily run up the A1 each day.
Finishing on Friday I was cruising home at a steady 65-70 and passed a traffic car, I noticed him pull out behind me and when I pulled back into the inside lane he followed and on came the blue lights..
I pulled up and got out to ask what the issue was only to be told that my vehicle was showing as uninsured and without MOT.
I argued that it most definately was as I had just moted it on Monday morning and paid extra to change the vehicle on my insurance. They accepted that it may not be showing up on their systems yet if it was just moted on Monday, but it had never been insured..and they would be impounding the car if I was unable to provide evidence that it was insured.
This is when panic starts to set in, had I forgotted or missed the renwal whilst on holiday?
The traffic officer told me I would be best off trying to call home to get access to my insurance documents or the name of my insurer...cue the wife not answering her "mobile" phone as per bloody usual!
I just managed to remember the registration number of the previous car on the policy and gave those details to the officer - the answer came back - yes, that it is showing as insured on the database... then a very long sweaty wait in my car whilst they attempted to contact the insurance company.
As it turned out I was insured as I had thought, but the insurance company had failed to change the details on the national database and were unable to exlain why they had failed to do so. So three quarters of an hour wasted and now extremely late for picking up the kids I head off.
I returned home and wrote a letter/email of complaint to their "complaints team"
I didnt drive the car over the weekend, but this morning about 10 miles after leaving home I again see the blue lights behind me and get pulled over....
just no insurance this time, and only quarter of an hour wasted due to me carrying insurance documents with me this time! Although I was warned that I will be getting picked up regularly if the insurance company dont sort this out and a print out of the policy document isnt really evidence that the car is currently insured as I may have cancelled it....
So the insurance company, even after being informed of their error have still failed to update the insurance database and also failed to reply to my letter of complaint!
I am now wondering if I am about to recieve a load of letters from police HQ after being picked up by all the scammera vans I have passed in the last few weeks....
The problem that I have here is that you would have received a letter from the MOtor a insurers Bureau who "police" these databases telling you that your vehicle is uninsured and to address that situation or face a fine of £100, vehicle seized etc. Since then I have been either working locally or on holiday, until last week when I started a job which required a daily run up the A1 each day.
Finishing on Friday I was cruising home at a steady 65-70 and passed a traffic car, I noticed him pull out behind me and when I pulled back into the inside lane he followed and on came the blue lights..
I pulled up and got out to ask what the issue was only to be told that my vehicle was showing as uninsured and without MOT.
I argued that it most definately was as I had just moted it on Monday morning and paid extra to change the vehicle on my insurance. They accepted that it may not be showing up on their systems yet if it was just moted on Monday, but it had never been insured..and they would be impounding the car if I was unable to provide evidence that it was insured.
This is when panic starts to set in, had I forgotted or missed the renwal whilst on holiday?
The traffic officer told me I would be best off trying to call home to get access to my insurance documents or the name of my insurer...cue the wife not answering her "mobile" phone as per bloody usual!
I just managed to remember the registration number of the previous car on the policy and gave those details to the officer - the answer came back - yes, that it is showing as insured on the database... then a very long sweaty wait in my car whilst they attempted to contact the insurance company.
As it turned out I was insured as I had thought, but the insurance company had failed to change the details on the national database and were unable to exlain why they had failed to do so. So three quarters of an hour wasted and now extremely late for picking up the kids I head off.
I returned home and wrote a letter/email of complaint to their "complaints team"
I didnt drive the car over the weekend, but this morning about 10 miles after leaving home I again see the blue lights behind me and get pulled over....
just no insurance this time, and only quarter of an hour wasted due to me carrying insurance documents with me this time! Although I was warned that I will be getting picked up regularly if the insurance company dont sort this out and a print out of the policy document isnt really evidence that the car is currently insured as I may have cancelled it....
So the insurance company, even after being informed of their error have still failed to update the insurance database and also failed to reply to my letter of complaint!
I am now wondering if I am about to recieve a load of letters from police HQ after being picked up by all the scammera vans I have passed in the last few weeks....
I can't see that you've fallen through the cracks on both processes, which do separate checks.
http://www.mib.org.uk/Motor+Insurance+Database/en/...
Sorry but when is twice being pulled, suddenly turned into repeatedly.
We were stopped 4 times on a journey once as me and a few mates traveled from Norfolk to London down the A12. The reason was the Escort we were in matched the description of one used in a robbery. So as we went through each police area we got pulled. No real hassle after the first one. Mind you it was in 1980.
We were stopped 4 times on a journey once as me and a few mates traveled from Norfolk to London down the A12. The reason was the Escort we were in matched the description of one used in a robbery. So as we went through each police area we got pulled. No real hassle after the first one. Mind you it was in 1980.
Drumroll said:
Sorry but when is twice being pulled, suddenly turned into repeatedly.
We were stopped 4 times on a journey once as me and a few mates traveled from Norfolk to London down the A12. The reason was the Escort we were in matched the description of one used in a robbery. So as we went through each police area we got pulled. No real hassle after the first one. Mind you it was in 1980.
I have been pulled twice so far and warned that I will be pulled repeatedly... sorry for the upset.We were stopped 4 times on a journey once as me and a few mates traveled from Norfolk to London down the A12. The reason was the Escort we were in matched the description of one used in a robbery. So as we went through each police area we got pulled. No real hassle after the first one. Mind you it was in 1980.
LoonR1 said:
The problem that I have here is that you would have received a letter from the MOtor a insurers Bureau who "police" these databases telling you that your vehicle is uninsured and to address that situation or face a fine of £100, vehicle seized etc.
I can't see that you've fallen through the cracks on both processes, which do separate checks.
http://www.mib.org.uk/Motor+Insurance+Database/en/...
The insurance was changed over in January and paid for immediately, together with an insurance policy document being emailed to me, no contact from anyone since.I can't see that you've fallen through the cracks on both processes, which do separate checks.
http://www.mib.org.uk/Motor+Insurance+Database/en/...
Pulled over twice since Friday and told that the vehicle is still not shown as insured on the database........ or maybe I am making it all up.....
hedgefinder said:
The insurance was changed over in January and paid for immediately, together with an insurance policy doument being emailed to me, no contact from anyone since.
Pulled over twice since Friday and told that the vehicle is still not shown as insured on the database........ or maybe I am making it all up.....
Maybe you are, maybe you're not. There are currently a few threads running on here that are clearly works of fiction. Pulled over twice since Friday and told that the vehicle is still not shown as insured on the database........ or maybe I am making it all up.....
My query stands. If your car is showing as no insurance and it is your car, registered at your address, then you would have received a chaser form the mIb, who administer MID chasing you to either get insurance or face a fine. Why haven't you received these either? Seems very convenient.
LoonR1 said:
Maybe you are, maybe you're not. There are currently a few threads running on here that are clearly works of fiction.
My query stands. If your car is showing as no insurance and it is your car, registered at your address, then you would have received a chaser form the mIb, who administer MID chasing you to either get insurance or face a fine. Why haven't you received these either? Seems very convenient.
to answer your "query" the car is my car and I have the V5 and purchase reciept to prove - all from back in January, the vehicle is also registered at my current address and has been since change of ownership back in January. I also have recieved no such chaser from ANYONE - please ask the relevant authority of which you speak as to why ! My query stands. If your car is showing as no insurance and it is your car, registered at your address, then you would have received a chaser form the mIb, who administer MID chasing you to either get insurance or face a fine. Why haven't you received these either? Seems very convenient.
Convenient or not, it is the truth, even if you struggle with it.
The first traffic officer said that my insurance company were at a loss to explain why they haddnt changed the vehicle details on the database back in January. Unfortunately they were closed by the time I got to pick the kids up on Friday and I was far too busy to call them today... the morning will bring an interesting conversation with them though.
Edited by hedgefinder on Monday 13th April 21:09
hedgefinder said:
to answer your "query" the car is my car and I have the V5 and purchase reciept to prove - all from back in January, the vehicle is also registered at my current address and has been since change of ownership back in January. I also have recieved no such chaser from ANYONE - please ask the relevant authority of which you speak as to why !
Convenient or not, it is the truth, even if you struggle with it.
I'm not saying you're making it up. It's not my responsibility to chase anyone up, no matter how fancy the words are that you use. Convenient or not, it is the truth, even if you struggle with it.
So what you're saying is that, not only has your insurer failed to update MID, but the administrators of MID have also not bothered to check it either.
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