Sister in-law, no insurance question?
Discussion
So my 19 year sister in-law pasted her test 2 weeks ago. She immediately bought a car from Arnold Clark. She organised insurance few days later and picked the car up. 3 days ago she was stopped and pulled by the police. After some checks its came back as no insurance on the car. It turns out the insurance company has taken the details (registration number) down wrong. The car was taken from her and she now has to attend court. As a new driver a resit of the test is now likely as its six points for no insurance. She phoned the insurance company that day and they confirmed that the wrong reg was applied to her policy. She is adamant that she gave the right reg number and the company has entered it into the system wrongly. What is the way forward here. Will the insurance company have recordings of the call, will she get assess to them. If it is shown to be a clerical error on the insurance company's part will a court look at this of will it be black and white.....6 points and a resit?
I suspect if she shows up with the cover note showing one letter/digit wrong she will be ok. if she had taken out cover and a clerical/communication error caused the problem then she should be OK, mens rea and all that. However if the wrong cover note shows a vastly different car/numberplate then she may have a problem unless she can somehow get a recording or transcript of the call into evidence showing she had done the right thing and the clerk on the other end had caused the problem
AGT anywhere about?
AGT anywhere about?
BigsimonY said:
So my 19 year sister in-law pasted her test 2 weeks ago.
Copied and pasted? 
Anyway, proper answer: the insurer/broker should be able to provide a letter explaining the situation and as long as they confirm that they are holding covered/would have indemnified from the original date then insurance was in force and no offence has been committed.
ETA: if they admit to the error.
Jim AK said:
If registration number was incorrect, how did she, someone, anyone get VED for it?
Also I'd have thought that when she originally insured it the computer wouldn't have recognised the car details against the provided Registration number.
It was done over the phone, and the car is road tax exempted Also I'd have thought that when she originally insured it the computer wouldn't have recognised the car details against the provided Registration number.
When you are getting insurance for a vehicle. Online or over the phone, they ask for the vehicle registration - then once they have that, they confirm to you the exact vehicle make, model, colour etc...
How was an error not identified at that point. Either the insurance company would have said, that Reg is incorrect, or told her the details of another vehicle that wasn't the one she bought (at which point she would have identified it as the wrong vehicle)!
Something doesn't sound right here.
How was an error not identified at that point. Either the insurance company would have said, that Reg is incorrect, or told her the details of another vehicle that wasn't the one she bought (at which point she would have identified it as the wrong vehicle)!
Something doesn't sound right here.
BigsimonY said:
It was done over the phone, and the car is road tax exempted
Happy to be corrected but.......I thought that even if it pays zero VED due to emissions or Disability exemption it still needs some form of 'Annual Registration' with DVLA.
That would require proof of insurance surely?
ETA. Agree with xRIEx that the Broker would be able to confirm 'Their cock up' to Plod, Courts or whoever & save your SiL any further problems.
Edited by Jim AK on Monday 8th August 16:39
DanSI said:
When you are getting insurance for a vehicle. Online or over the phone, they ask for the vehicle registration - then once they have that, they confirm to you the exact vehicle make, model, colour etc...
How was an error not identified at that point. Either the insurance company would have said, that Reg is incorrect, or told her the details of another vehicle that wasn't the one she bought (at which point she would have identified it as the wrong vehicle)!
Something doesn't sound right here.
Not every quote system has registration lookup (at least, not for free).How was an error not identified at that point. Either the insurance company would have said, that Reg is incorrect, or told her the details of another vehicle that wasn't the one she bought (at which point she would have identified it as the wrong vehicle)!
Something doesn't sound right here.
Jim AK said:
Happy to be corrected but.......
I thought that even if it pays zero VED due to emissions or Disability exemption it still needs some form of 'Annual Registration' with DVLA.
That would require proof of insurance surely?
Insurance is no longer checked when paying VED; changed a couple of years ago. https://www.gov.uk/government/news/dvla-cuts-unnec...I thought that even if it pays zero VED due to emissions or Disability exemption it still needs some form of 'Annual Registration' with DVLA.
That would require proof of insurance surely?
maffski said:
Insurance is no longer checked when paying VED; changed a couple of years ago. https://www.gov.uk/government/news/dvla-cuts-unnec...
So if i want to `Tax` an uninsured car I need to do it in a Post Office, or do they just link to MiD?xRIEx said:
Not every quote system has registration lookup (at least, not for free).
Well for the last several years, EVERY insurance renewal I've gone through (a combination of online and phone calls) they ALL state the vehicle details, prior to any renewal happening. It's not like such information is "confidential" or restricted - you can pull up details on any vehicle for free on the DVLA website, just by putting in a registration number.
Well good luck to your sister-in-law, it could be seen as just a routine oversight.
Jim AK said:
maffski said:
Insurance is no longer checked when paying VED; changed a couple of years ago. https://www.gov.uk/government/news/dvla-cuts-unnec...
So if i want to `Tax` an uninsured car I need to do it in a Post Office, or do they just link to MiD?Edited by xRIEx on Monday 8th August 17:14
DanSI said:
xRIEx said:
Not every quote system has registration lookup (at least, not for free).
Well for the last several years, EVERY insurance renewal I've gone through (a combination of online and phone calls) they ALL state the vehicle details, prior to any renewal happening. It's not like such information is "confidential" or restricted - you can pull up details on any vehicle for free on the DVLA website, just by putting in a registration number.
Well good luck to your sister-in-law, it could be seen as just a routine error.
DanSI said:
xRIEx said:
Not every quote system has registration lookup (at least, not for free).
Well for the last several years, EVERY insurance renewal I've gone through (a combination of online and phone calls) they ALL state the vehicle details, prior to any renewal happening. It's not like such information is "confidential" or restricted - you can pull up details on any vehicle for free on the DVLA website, just by putting in a registration number.
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