Got pulled for no insurance - Help!!
Discussion
sidekickdmr said:
ZOLLAR said:
I'm surprised they cancelled a policy for not receiving NCB!, if we don't receive it we send the 2 standard letters if no response we reduce the ncb to zero and charge the extra premium, that way policyholder is still insured and usually having money debited from their account reminds them to send the ncb in to us once received we refund the debited amount.
but as usual it varies per insurer! did they cancel it due to not receiving the NCB or for not receiving the declaration?.
The company I work for also does this IF they pay monthly.but as usual it varies per insurer! did they cancel it due to not receiving the NCB or for not receiving the declaration?.
However if they paid one lump sum at outset we cannot just take money from their card. That is why we sent out 2/3 letters chasing ncd and then 2 canx letters. The most common reason we come across for this is incorrect address. (No house number/wrong postcode etc)
Either that or the policy holder is doing an ostrich impression and burying their head and ignoring the letters hoping it will go away.
Did you send your pncd yourself or did this come from your prev insurer?
In any case how do you know that the policy holder has received notice?
Do the minimum RTA rules apply?
sinizter said:
I hope the OP gets some reduction in the penalty ...
This is why I always send stuff to insurance companies (and pretty much anything important) recorded delivery or special delivery even when they don't require you to. Just peace of mind for me.
It's not the penalty that worries me - it's the what if he'd had an accident......This is why I always send stuff to insurance companies (and pretty much anything important) recorded delivery or special delivery even when they don't require you to. Just peace of mind for me.
sinizter said:
I hope the OP gets some reduction in the penalty ...
This is why I always send stuff to insurance companies (and pretty much anything important) recorded delivery or special delivery even when they don't require you to. Just peace of mind for me.
And remember that some companies even state that recorded / special delivery is NOT proof of receipt by them. In addition to the above, I suppose you can only call again to confirm and hope the call has been recorded ...This is why I always send stuff to insurance companies (and pretty much anything important) recorded delivery or special delivery even when they don't require you to. Just peace of mind for me.
Ive had problems with an insurance company like this, they claimed that I hadnt sent proof of no claims but i had a letter from them thanking me for sending it, which they claimed that they never sent out to anyone.
When I sent a scan of the letter via email they changed tack and still cancelled my insurance stating that the underwriter had decided not to insure me after all, they refunded all the money I had already payed from the start of the policy & back dated the cancellation to the policy start.
So these things happen, nothing you can really do apart from get insurance as soon as you can.
What I dont understand is why their isnt an askmid style database for people, which has all your driving record on it.
Insurance companies are scum anyway.
When I sent a scan of the letter via email they changed tack and still cancelled my insurance stating that the underwriter had decided not to insure me after all, they refunded all the money I had already payed from the start of the policy & back dated the cancellation to the policy start.
So these things happen, nothing you can really do apart from get insurance as soon as you can.
What I dont understand is why their isnt an askmid style database for people, which has all your driving record on it.
Insurance companies are scum anyway.
I know it's firmly bolting the stable door after horse has been grazing in the neighbour's fields for a week or so but.....
Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
I took a picture of a new Nissan GT-R at Brands the other day .. by chance I thought I would see when it was bought to confirm it was a 2010 spec model ... look on MIDS(I know I know) .. oh wow not insured ... I thought about contacting the supplying dealer to give a heads up ... It does have a personal plate, so either the plate is wrong, or he has not contacted his insurance company with the change ...
If it is insured under a different plate .. I assume no fine or points ??
If it is insured under a different plate .. I assume no fine or points ??
F i F said:
I know it's firmly bolting the stable door after horse has been grazing in the neighbour's fields for a week or so but.....
Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
It wouldnt have worked in this case as he didnt receive their documents...Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
EU_Foreigner said:
sinizter said:
I hope the OP gets some reduction in the penalty ...
This is why I always send stuff to insurance companies (and pretty much anything important) recorded delivery or special delivery even when they don't require you to. Just peace of mind for me.
And remember that some companies even state that recorded / special delivery is NOT proof of receipt by them. In addition to the above, I suppose you can only call again to confirm and hope the call has been recorded ...This is why I always send stuff to insurance companies (and pretty much anything important) recorded delivery or special delivery even when they don't require you to. Just peace of mind for me.
saaby93 said:
F i F said:
I know it's firmly bolting the stable door after horse has been grazing in the neighbour's fields for a week or so but.....
Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
It wouldnt have worked in this case as he didnt receive their documents...Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
Sorted. Just needs organisation and effort.
I learnt the hard way about insurance company twuntery, fortunately we were not stopped etc but could easily have been.
saaby93 said:
F i F said:
I know it's firmly bolting the stable door after horse has been grazing in the neighbour's fields for a week or so but.....
Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
It wouldnt have worked in this case as he didnt receive their documents...Rolling reminder.
With the way things are going / have already gone it is an absolute must that communications to such parties as Govt, DVLA, Insurance companies and so on are not sent by normal post.
Do not ever ever ever ever waste money on recorded delivery, the only way to do it is to use special delivery where things are tracked from beginning to end.
Retain the recipt and get the proof of delivery.
THEN once this is done, put a reminder on calendar / diary / phone / do it note /post it note whatever means you use to remind one to follow it up if nothing heard.
If we, as their paying through the nose customers, give these incompetent sods hell when they screw up and don't give up and assume things then they will never get their houses in order.
Yes I know it is being completely anal about things but it really is the only way to do it today.
Also had he been as 'anal' as FiF suggests, he would have been expecting money being taken from his account and known when money was being returned to it and been able to query why.
Not having a dig at the OP just thinking....I know the UK postal service is crap but two reminders going missing AND two cancellation notices never being received but strangely the insurance certificate (temp or otherwise) manages to get to the OP? That really is bad luck....
Also in this day and age, is it not beyond the realms of possibility that the insurance company not having had a response to their letters would actually RING the client to ask why? My ins co rang me to confirm I had received a letter detailing changes to my policy, even though the letter stated that if I didn't contact them I would be deemed to have accepted the changes.
If they didn't do that in this case, perhaps in the light of such a crap postal service it should be mandatory that all insurers ring the client BEFORE cancellation or changes to a policy are made instead of relying on a crap postal system?
F i F said:
Disagree, sends in proof of NCD, gets proof of delivery, makes note that only has a temp cover note and that needs to call in one week or whatever time he sets as limit for action. meantoime keeps eye open on askmid.
Sorted. Just needs organisation and effort.
C'mon - who does that Sorted. Just needs organisation and effort.
You've got the certificate, you've sent off the NCD proof - that's it now for a year.
What about here where they were waiting for the certificate to come through and instead got a notice theyd been uninsured for a week or so
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Lucky they even got that - the insurer had no need to send anything
My concern is that my insurance is pretty inexpensive and if they had refunded the money onto the CCard there's a very high chance I simply wouldn't notice.
I have just checked the MID DB and according to it I am not insured. Awaiting confirmation from the insurer that this is in hand....
(and my thanks to the OP for ringing the alarm bells)
I have just checked the MID DB and according to it I am not insured. Awaiting confirmation from the insurer that this is in hand....
(and my thanks to the OP for ringing the alarm bells)
Trouble is it doenst work like a normal transacation so as soon as you find a mistake's been made you cant phone up and have the cover reinstated from whenever it should have been
Apparently it's illegal to backdate insurance
But is this backdating or is it just putting in place what should already have been there?
Apparently it's illegal to backdate insurance
But is this backdating or is it just putting in place what should already have been there?
saaby93 said:
F i F said:
Disagree, sends in proof of NCD, gets proof of delivery, makes note that only has a temp cover note and that needs to call in one week or whatever time he sets as limit for action. meantoime keeps eye open on askmid.
Sorted. Just needs organisation and effort.
C'mon - who does that Sorted. Just needs organisation and effort.
h when they bend you over due to their incompetence and your assumptions.As I said, lesson learnt hard way. They'll not take my kex down again.
I do agree with the general sentiment that in many cases we've done what we're supposed to do, but because of incompetent Big Brother system inaccuracies then run into trouble. It sucks big time.
Just drown the bastids in evidential records and communications. They'll screw up sooner or later and then you have their trousers round their ankles.
Take the advice or not, up to you.
I had an incident involving the police and insurance checks a few years back proving that the police computers can get it wrong. I was out of the country working when one of my young sons (with a full licence) used my car (with permission)to take his Mum to the shops. He made a silly but genuine mistake and accidentaly turned up a one way street, realised immediately and reversed back, plod was there like a shot, ran the usual checks and accused said son of not being insured on the vehicle (he was actually one of 3 named drivers on my policy!!!) after much arguing plod must have called the insurance company only to find out that he was wrong!! What did he do, booked the poor lad for going up a one way street after giving him a rollocking for his cheek, could he(the copper) not have just apologised for the inconvenience he had caused and let him away with a caution, I think not, b#stards!
I'm surprised you didnt get the letter they sent you. when I was a bit slow sending somehting back they didnt want. I got a letter by recorded delivery saying my policy would be cancelled in 7 days unless I contacted them. I thought the recorded was standard practice so they had proof that you knew it was going to be cancelled
When it happened to me it was all caused by a massive combination of cock ups, some mine, some the insurance companies. On my side I actually closed the bank account out of which the direct debit was taken without transferring it to the new account so I effectively stopped paying for which the insurance company rightly so cancelled my policy. However as I'd also moved house and had informed them of this they appeared to have only updated half of the computer system, they had the correct address as to where the car now lived but still had my old address for correspondance. Luckilly they agreed on this and put the fact in writing.
In my case I had no choice but to go to court as I already had 6 points, I presented all the facts including how yes I'd cocked up, but hadn't been told as the insurers had been writing to old address (the reason behind all the moves in house and bank accounts was a divorce and included why no mail was forwarded) Anyway the magistrates were actually very understanding, they could see that it was a genuine mistake, with no malice or intent, as such although I was technically guilty as I had commited an absolute offence, I was given an absolute discharge, no points, no fine and request for costs denied. Which I was very pleased with and restored come faith in the "system"
One other point that may have helped, when I was actually pulled over and the copper was on the phone to the insurance company and the whole messy story was coming out, it was clear to him that it was a mistake, like you he said he had "no choice" and was going to impound the car, luckilly when he'd handed me the phone to clarify some points with the insurers I asked if they could reinstate cover immediately, they did and I paid in full while still at the roadside. This prevented the car being impounded as I could now prove that the car was insured before they'd had chance to get the tow truck out.
Not saying you will get away with it but there is hope.
In my case I had no choice but to go to court as I already had 6 points, I presented all the facts including how yes I'd cocked up, but hadn't been told as the insurers had been writing to old address (the reason behind all the moves in house and bank accounts was a divorce and included why no mail was forwarded) Anyway the magistrates were actually very understanding, they could see that it was a genuine mistake, with no malice or intent, as such although I was technically guilty as I had commited an absolute offence, I was given an absolute discharge, no points, no fine and request for costs denied. Which I was very pleased with and restored come faith in the "system"
One other point that may have helped, when I was actually pulled over and the copper was on the phone to the insurance company and the whole messy story was coming out, it was clear to him that it was a mistake, like you he said he had "no choice" and was going to impound the car, luckilly when he'd handed me the phone to clarify some points with the insurers I asked if they could reinstate cover immediately, they did and I paid in full while still at the roadside. This prevented the car being impounded as I could now prove that the car was insured before they'd had chance to get the tow truck out.
Not saying you will get away with it but there is hope.
Mr E said:
My concern is that my insurance is pretty inexpensive and if they had refunded the money onto the CCard there's a very high chance I simply wouldn't notice.
I have just checked the MID DB and according to it I am not insured. Awaiting confirmation from the insurer that this is in hand....
(and my thanks to the OP for ringing the alarm bells)
An update to this. It appears that my insurance company have put the wrong plate in the system, and a plate that doesn't actually exist is in fact insured...I have just checked the MID DB and according to it I am not insured. Awaiting confirmation from the insurer that this is in hand....
(and my thanks to the OP for ringing the alarm bells)
...it's a different scenario as they do consider the car insured, but I thought I'd checked the insurance cert and thought all was well. Evidentially I'm an idiot.
Resolving now, but could have become expensive.
Everyone, check the status on the DB. Might save some pain down the line.
http://www.askmib.com/ownvehicle/
LikesBikes said:
Paid in full at the time of taking out the policy. Was hoping that the refund hadn't happened, however it had. It was 20 days after the policy was cancelled and well over a month after the request for the proof of NCD.
Unfortunately I failed to notice this at the time.
The list of coincidences leaves a bit of a whiff:Unfortunately I failed to notice this at the time.
Edited by LikesBikes on Wednesday 14th April 21:55
Insurance Co don't get your letter
You don't get insurance co's first letter
You don't get insurance co's second letter
You don't notice the repayment of your premium (you must have one hell of a bank balance or did the statement go missing in the post as well?).
If I were you I would try and get your day in court - I am sure everyone in the courtroom could do with a laugh
Been down this road before. Insurer told me i had a variety of things on my policy inc other cars thrd partyy cover which i double checked verbally with the guy on the phone at time of taking out ins.
Didnt check docs as felt i had covered that and assumed they werent allowed to lie. Got done for no ins 6 points 100 pound fine even though magistrate said they sympathised.
I truly hope you find a way around it but i suspect not.
Didnt check docs as felt i had covered that and assumed they werent allowed to lie. Got done for no ins 6 points 100 pound fine even though magistrate said they sympathised.
I truly hope you find a way around it but i suspect not.
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