Insurance - I messed up - 24 hrs without cover
Discussion
jeremyh1 said:
If your running an insurance business and your business model is 12 month policies and in a financial environment where your market is rocketing in prices Then why would they give the customer a 24 hour policy?
If you cant afford to run a car then sell the car
If you need a car and you dont have the money then you might have your priorities wrong
Hope this helps
Ooooooh, you’d better ring Aviva and tell them they’re making a terrible mistake https://www.aviva.co.uk/insurance/motor/short-term...If you cant afford to run a car then sell the car
If you need a car and you dont have the money then you might have your priorities wrong
Hope this helps
Then call Admiral https://www.admiral.com/car-insurance/temporary-ca...
And the RAC while you’re at it https://www.rac.co.uk/insurance/temporary-car-insu...
They’ve all got it wrong!
OP - don’t worry about this one but if you do ever find yourself with an inadvertent gap in policies, consider a temporary policy to fill the gap. I’ve used them before if I’ve needed to drive someone else’s car & not had DOC cover, it was fairly cost effective IIRC, certainly far cheaper than hiring a car or paying my own insurer to temporarily add another vehicle to the policy.
Edited by alangla on Monday 25th March 14:23
Don't worry OP, nothing will come of it whatsoever.
I mean if you put a new numberplate on your car and forget to tell your insurance, it'll take months before they send you a letter telling your your car isn't insured. It kind of is but it's not as the reg plate is wrong but there's no immediacy to that reaction and as far as their system shows it's uninsured. So to think of a day, it wouldn't even register.
I mean if you put a new numberplate on your car and forget to tell your insurance, it'll take months before they send you a letter telling your your car isn't insured. It kind of is but it's not as the reg plate is wrong but there's no immediacy to that reaction and as far as their system shows it's uninsured. So to think of a day, it wouldn't even register.
Mrs F had her insurance cancelled after one renewal due to an administrative cock up by their telephone agent.
When she got the letter informing her she'd been driving g uninsured for 3 days.
After getting no joy with the insurance company as they now refused to renew the cover as previously offered because the original renewal quote had time expired, and just gave increasingly ridiculous quotes basically to make my Mrs go away she left the car on the drive and walked to shop / school etc.
I was away with work, when got home a couple of days later insured it with another company. Nothing heard from DVLA.
When she got the letter informing her she'd been driving g uninsured for 3 days.
After getting no joy with the insurance company as they now refused to renew the cover as previously offered because the original renewal quote had time expired, and just gave increasingly ridiculous quotes basically to make my Mrs go away she left the car on the drive and walked to shop / school etc.
I was away with work, when got home a couple of days later insured it with another company. Nothing heard from DVLA.
Several years ago my renewal came through from my Brokers; I also received the new Insurance Certificate. I phoned, paid my premium and thought nothing more of it.
I can't remember why, but a couple of months later I checked the car on https://ownvehicle.askmid.com/ where I discovered that the car was shown as NOT being insured. As this was at the weekend there wasn't much I could do except not driving the car & leaving it on the driveway. I checked my bank statement to make sure that the payment had gone through; it had.
Come the Monday morning I called my Broker asking it there was a problem. He told me that it was an admin error and that it would be sorted immediately. I checked AskMid that afternoon, all was good. I'm not going to name the Broker, but I would imagine most people of PH would know them as they are a big organisation. AFAIC it was a genuine oversight on their part.
At no time was I ever stopped or received any notification that I was driving around in an 'uninsured' car. I would imagine that had I been pulled over outside of the Brokers office hours, then I would no doubt have had the car seized and been reported for driving without insurance. Although if it had got to Court I suspect that i would have been thrown out.
I can't remember why, but a couple of months later I checked the car on https://ownvehicle.askmid.com/ where I discovered that the car was shown as NOT being insured. As this was at the weekend there wasn't much I could do except not driving the car & leaving it on the driveway. I checked my bank statement to make sure that the payment had gone through; it had.
Come the Monday morning I called my Broker asking it there was a problem. He told me that it was an admin error and that it would be sorted immediately. I checked AskMid that afternoon, all was good. I'm not going to name the Broker, but I would imagine most people of PH would know them as they are a big organisation. AFAIC it was a genuine oversight on their part.
At no time was I ever stopped or received any notification that I was driving around in an 'uninsured' car. I would imagine that had I been pulled over outside of the Brokers office hours, then I would no doubt have had the car seized and been reported for driving without insurance. Although if it had got to Court I suspect that i would have been thrown out.
Roman Moroni said:
I also received the new Insurance Certificate.
I would imagine that had I been pulled over outside of the Brokers office hours, then I would no doubt have had the car seized and been reported for driving without insurance. Although if it had got to Court I suspect that i would have been thrown out.
Nope, the database is just that. A database, with errors, showing some insured cars as uninsured and visa versa. A certificate of insurance overrides it. The police would have phoned your insurer's 24/7 police help line just to ensure the policy hadn't been cancelled after issue of the certificate, and would have been told it was an admin error. I would imagine that had I been pulled over outside of the Brokers office hours, then I would no doubt have had the car seized and been reported for driving without insurance. Although if it had got to Court I suspect that i would have been thrown out.
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