Sister in-law, no insurance question?
Discussion
xjay1337 said:
I'm not sure, I just remember when I first took insurance out on my first car I couldn't remember the reg of it when I phoned up to ask about a modification.
I gave them my address and they asked for my date of birth and it was fine.
Maybe systems have changed!
That was for finding your record in their database, not the car details from the DVLA.I gave them my address and they asked for my date of birth and it was fine.
Maybe systems have changed!
For an existing policy.
My point was that when the girl was pulled over surely she could have called her insurance (or had the police do it) and with her name and address they should have been able to confirm the vehicle was insured
If it was say 1 or 2 letters out, maybe WX52 RVB instead of WX52 RVD then that's understandable but could be easily resolved at the roadside? So I am thinking that the SiL didn't actually have a valid insurance policy at all! I have seen on Police Chase Action type shows, one guy had an insurance policy which started at 2pm, but he was pulled over at 11:30am, the police officer did him for 6 points but seemed quite sad doing so.
When I started driving I also kept a copy of my driving license and insurance in my Glovebox for the first 6 months just incase!
My point was that when the girl was pulled over surely she could have called her insurance (or had the police do it) and with her name and address they should have been able to confirm the vehicle was insured
If it was say 1 or 2 letters out, maybe WX52 RVB instead of WX52 RVD then that's understandable but could be easily resolved at the roadside? So I am thinking that the SiL didn't actually have a valid insurance policy at all! I have seen on Police Chase Action type shows, one guy had an insurance policy which started at 2pm, but he was pulled over at 11:30am, the police officer did him for 6 points but seemed quite sad doing so.
When I started driving I also kept a copy of my driving license and insurance in my Glovebox for the first 6 months just incase!
xjay1337 said:
My point was that when the girl was pulled over surely she could have called her insurance (or had the police do it) and with her name and address they should have been able to confirm the vehicle was insured
I think they'd need it in writing in any case, I'm not aware of any situation where that's happened. I certainly never got a phone call with a client saying, "I've been stopped by the police, please can you tell them I'm insured?" I've certainly had to issue plenty of cover notes in the past.If the reg number was wrong on the record then they can't confirm it's covered. However, it should be fairly clear by common sense that it must be an innocent mistake and no one would intentionally give a wrong registration number - there is no benefit to be gained by doing so and as seen in this case, it's only to a person's detriment.
xjay1337 said:
When I started driving I also kept a copy of my driving license and insurance in my Glovebox for the first 6 months just incase!
I still do. I know it's not worth the paper it's printed on as on the police shows they do say 'you could have faked it', but it's there for my own benefit just in case!ashleyman said:
xjay1337 said:
When I started driving I also kept a copy of my driving license and insurance in my Glovebox for the first 6 months just incase!
I still do. I know it's not worth the paper it's printed on as on the police shows they do say 'you could have faked it', but it's there for my own benefit just in case!many years ago I was given a producer, the desk sargent was a mate from school, my insurance had the right letters on it but in the wrong order,
the MOT was ok.
he walked outside looked at the car and ripped up the police paperwork, apparently it would have taken more sorting than it was worth.
the MOT was ok.
he walked outside looked at the car and ripped up the police paperwork, apparently it would have taken more sorting than it was worth.
Mr Classic said:
Friend had a similar issue, got six points and the fine. Went down as an 'admin error' apparently but I believe it was an absolute offence. If she had crashed and caused damage, would the insurance company have covered her?
Of course. Making a mistake on the reg number, whether it's the customer or the insurer, is not driving without insurance. You have insurance, it's just that one small detail is incorrect.When you insure a car, they take hundreds of details, from your name, car details, address, personal history etc. Making a mistake on the reg number is no different to them misspelling your name or misspelling the town you live in. It has f
k all to do with driving without insurance.TwigtheWonderkid said:
Mr Classic said:
Friend had a similar issue, got six points and the fine. Went down as an 'admin error' apparently but I believe it was an absolute offence. If she had crashed and caused damage, would the insurance company have covered her?
Of course. Making a mistake on the reg number, whether it's the customer or the insurer, is not driving without insurance. You have insurance, it's just that one small detail is incorrect.When you insure a car, they take hundreds of details, from your name, car details, address, personal history etc. Making a mistake on the reg number is no different to them misspelling your name or misspelling the town you live in. It has f
k all to do with driving without insurance.Quite why the cop felt it necessary to impound it, who knows? Perhaps he didn't check or wasn't given enough information so the error didn't become clear.
People should carefully check these things though - a few years ago my daughter moved to a very big name insurer and they issued a policy for the previous year! And she's one of these people who normally only opens post if it looks interesting - however they wrote to her a couple of days later to tell her insurance had expired and thankfully she opened that letter.
As above have said, if there has been a clerical error and they have just got the reg number wrong, then of course she is insured. You insure cars, not registration plates!!
If it was a brand new car, then likely the reg would not bring up the car details at the insurers, so they were manually entered?
Hopefully they didnt insure a totally different car by using the wrong reg number, but if thats the case, maybe a letter from the insurer, if it is their fault may help in court.
If just reg is noted wrong, and car is correct, then you just need these amending, and taking this to police station may stop any further action - hopefully. Otherwise its going to court to explain error, and that you were insured, and dont forget to get recovery/release costs returned.
If it was a brand new car, then likely the reg would not bring up the car details at the insurers, so they were manually entered?
Hopefully they didnt insure a totally different car by using the wrong reg number, but if thats the case, maybe a letter from the insurer, if it is their fault may help in court.
If just reg is noted wrong, and car is correct, then you just need these amending, and taking this to police station may stop any further action - hopefully. Otherwise its going to court to explain error, and that you were insured, and dont forget to get recovery/release costs returned.
I can't understand how this has got so far. Your sister-in-law took out a policy some two weeks ago so surely would have had documents to produce to the police with all the correct details apart from a slight error in the reg number. That should have put a stop to any further action as mentioned above.
I get the feeling that she has not given the OP the whole story.
I get the feeling that she has not given the OP the whole story.
CanAm said:
I can't understand how this has got so far. Your sister-in-law took out a policy some two weeks ago so surely would have had documents to produce to the police with all the correct details apart from a slight error in the reg number. That should have put a stop to any further action as mentioned above.
I get the feeling that she has not given the OP the whole story.
Yup, sounds about right. This kind of thing happens 100 times a day and is sorted out in 5 minutes.I get the feeling that she has not given the OP the whole story.
Always love this threads where the PH Investigators don their tinfoil hats, dream up some nefarious plot, then chastise the OP for not giving the details that fit their insane little stories.
OP, glad to see the SIL now has a lawyer. Seems like something simple to sort out. Good luck
OP, glad to see the SIL now has a lawyer. Seems like something simple to sort out. Good luck
I don't think anyone has chastised the OP who is merely an innocent messenger in this case. Likewise I am pleased that the SIL has some legal representation and that should hopefully resolve the matter.
As a 19-year old who has only just passed her test, we should cut her some slack. My comments about why the case has gone so far are aimed as much at "the Powers That Be"; it should not have been allowed to go as far as the girl have her car confiscated.
As a 19-year old who has only just passed her test, we should cut her some slack. My comments about why the case has gone so far are aimed as much at "the Powers That Be"; it should not have been allowed to go as far as the girl have her car confiscated.
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