Discussion
Mopar440 said:
You've got evidence of cars being seized and not asked for a producers as others have said?
Not recently and not due to MID.There were a few threads a couple of years back about the National Computer.
If the computer says the cars not insured, isn't there a risk youre not going to be let continue driving it?
Roo said:
What national computer?
I was asking myself the same question when I wrote it.Surely it couldnt have been the police one as the DVLA info would only show whether it was taxed or MOT. Besides wasnt a reason for setting up MID to have a single point with some readily available insurance data to get allegedly uninsured cars off the streets?
TooMany2cvs said:
So, just to be clear on this...
Due to confusion arising from you choosing to buy a car with a plate change not finalised, and your insurer taking time to log the policy on mid, and police placing too much emphasis on mid, because of idiots faking certificates or cancelling policies and keeping the certificates...
It's all mid's fault...?
Yes, I bought a car with the private plate on. Guilty as charged, tried and convicted in the court of PH experts Due to confusion arising from you choosing to buy a car with a plate change not finalised, and your insurer taking time to log the policy on mid, and police placing too much emphasis on mid, because of idiots faking certificates or cancelling policies and keeping the certificates...
It's all mid's fault...?
Ok my title a worded badly, it should have been "Damned Insurance Company". However, in the land of perfection where one does everything perfect and correct and is an expert right from birth, bear in mind that in the real world, my complaint was that a simple task took over 10 days. And because I try to do things legally and by the book, the exact opposite of the idiots who cancel policies and fake certificates, somehow I'm the one in the wrong.Roo said:
Calm down.
Defending myself against stupid posts by expert keyboard warriors is far different from calming down. I'm perfectly relaxed, merely replying to posts that need to be corrected.[quote]If you've told your insurers of the change of reg they should have sent you a new certificate. Irrespective of that the basics of the policy will still be correct so you'd still be insured.
[quote]If you got stopped at the side of the road a call to your broker/insurer would've solved the problem. The police know the MID is not infallible.
Are you seriously saying you waited ten days after informing your insurers of a change of reg before driving your car because it didn't show on MID?
The arrogance here never fails me, most of the time its amusing
Got stopped once as cherished plate on car I was driving was showing as another car...... One we sold 18 months earlier!!!
After a few minutes it was proven everything was in order & Metropolitan Police had not updated their database. I went on my way albeit with wee boiling.
I knew the car was on the correct plate as it had been stopped soon after purchase & I had heard the details confirmed by the Hertfordshire Constabulary radio operator as I was at the side of the road.
Also had a car not on database some 6 weeks after it was reinsured because Aviva had `lost` a whole list of insured vehicles. I only knew when I couldnt tax online.
I do now carry copies of my Insurance, VED receipt & MOT hidden within my vehicle.
Goes to prove 1 thing.
A computer is only as good as the person who programmes it!
After a few minutes it was proven everything was in order & Metropolitan Police had not updated their database. I went on my way albeit with wee boiling.
I knew the car was on the correct plate as it had been stopped soon after purchase & I had heard the details confirmed by the Hertfordshire Constabulary radio operator as I was at the side of the road.
Also had a car not on database some 6 weeks after it was reinsured because Aviva had `lost` a whole list of insured vehicles. I only knew when I couldnt tax online.
I do now carry copies of my Insurance, VED receipt & MOT hidden within my vehicle.
Goes to prove 1 thing.
A computer is only as good as the person who programmes it!
3xpendable said:
What?? What a pathetic argument! Yes, I KNOW the car is insured. I paid the premium and have the certificate, however the certificate currently carries the old reg number,
So when you told your insurers of the change, why not just ask them to email you immediately a new cert or cover note with the new reg number on.Then you have that in your possession to show the police if you get pulled over which is unlikely in the first place.
Christ, you've really made a mountain out of a molehill.
3xpendable said:
The MID might not be the last word according to you, but have you ever watched ANY traffic police program? It doesn't mean squat if you show them an insurance certificate. If they ring up their reference, which is the MID and it says that car is not showing up as insured, they'll take that word over a piece of paper you're holding and even if I did convince them it was legally insured, I would rather not spend 10,20,30 minutes or more sitting on the side of a motorway trying to prove so to PC Plod.
Some of you must have a tough life being so perfect
Utter rubbish. I've seen those traffic programmes and the people who get grief is where the police have genuine reason to believe something is amiss, and they are normally right.Some of you must have a tough life being so perfect
The 99% of cases where the car isn't on MID and the driver gets sent on their way with a producer, or shows their docs at the scen don't appear on those programmes, because it would make for dull viewing.
"Ello,ello, ello, we've stopped you because your car isn't on MID."
"Yes, I only bought it 3 days ago. But I've insured it and here's the documentation my insurer emailed me."
"That's fine thanks sir, sometimes it can take a while to show on the system. Sorry for the inconvenience."
Thrilling telly that is!
I'm sure I have seen those police programmes where there is no trace on MID and the insurance company is closed so the officers cannot verify the paperwork with them.
Granted, the chance of being stopped at a time when your insurer is closed is probably slim, and I cannot remember whether the outcome was them giving the driver a producer, but even that would be inconvenient for me.
Granted, the chance of being stopped at a time when your insurer is closed is probably slim, and I cannot remember whether the outcome was them giving the driver a producer, but even that would be inconvenient for me.
MID is not "realtime". Absolute best case it updates over night but many insurance companies seems to take several days, or weeks, to add cars on. Some do it in batches and some sub it out to third party companies to manange their MID entries.
If you're that paranoid you'll always have to wait before driving a car you've just insured regardless of any plate change.
If you're that paranoid you'll always have to wait before driving a car you've just insured regardless of any plate change.
TwigtheWonderkid said:
So when you told your insurers of the change, why not just ask them to email you immediately a new cert or cover note with the new reg number on.
Then you have that in your possession to show the police if you get pulled over which is unlikely in the first place.
Christ, you've really made a mountain out of a molehill.
I did, and they kept promising too but didn't which was the problem. It seems you are hard of reading.Then you have that in your possession to show the police if you get pulled over which is unlikely in the first place.
Christ, you've really made a mountain out of a molehill.
No, it's you making a mountain out of a molehill by going all high and mighty about how I was in the wrong for 1. Not driving a car I had no documents to prove was insured with the new registration and 2. Being annoyed about a 5 minute task taking 10 days.
Christ, you really are a tosser.
TwigtheWonderkid said:
Utter rubbish.
"Ello,ello, ello, we've stopped you because your car isn't on MID."
"Yes, I only bought it 3 days ago. But I've insured it and here's the documentation my insurer emailed me."
"That's fine thanks sir, sometimes it can take a while to show on the system. Sorry for the inconvenience."
Thrilling telly that is!
And again you seem uncapable of reading my previous posts. It isn't my main car, it's my weekend toy so I didn't need it, but it was a pain not having the opion to use it and I was happier leaving it sit for 10 days rather then being inconvenienced and having to produce a producer etc etc. Capiche?
"Ello,ello, ello, we've stopped you because your car isn't on MID."
"Yes, I only bought it 3 days ago. But I've insured it and here's the documentation my insurer emailed me."
"That's fine thanks sir, sometimes it can take a while to show on the system. Sorry for the inconvenience."
Thrilling telly that is!
And again you seem uncapable of reading my previous posts. It isn't my main car, it's my weekend toy so I didn't need it, but it was a pain not having the opion to use it and I was happier leaving it sit for 10 days rather then being inconvenienced and having to produce a producer etc etc. Capiche?
confused_buyer said:
If you're that paranoid you'll always have to wait before driving a car you've just insured regardless of any plate change.
I drive to speed limits, I make sure my car is taxed and road legal. If that makes me paranoid so be it. 3xpendable said:
No, it's you making a mountain out of a molehill by going all high and mighty about how I was in the wrong for 1. Not driving a car I had no documents to prove was insured with the new registration and 2. Being annoyed about a 5 minute task taking 10 days.
No, sorry. But it's you that's making the mountain out of the molehill here...- Changes to MID _can_ take up to 14 days. That's allowable and acceptable within the law. Sometimes it takes a lot less, sometime's it's protracted. Muddying the waters with the plate change overlapping a keeper change certainly won't have sped it up, but your insurer got it on MID within the time they are allowed to take. It is that simple. ANY insurance change - new policy, renewal, whatever - CAN take 14 days. If you're going to sit and wait before driving ANY car until it shows on MID, that's your choice...
- Whether you had documents or not is irrelevant - although I'm amazed your insurer couldn't have emailed a PDF cover note or certificate through. All you need is the name of the insurer. Documents might help, they might not - it's down to Mr Plod's discretion. If you come across as credible and have the information to hand, you WILL get the benefit of the doubt, because everybody knows MID changes aren't instant. Never have been, probably never will be.
TooMany2cvs said:
No, sorry. But it's you that's making the mountain out of the molehill here...
It CAN take up to 14 days but I was told repeatedly it would be done 'the next day'...I merely posted a little rant about it but nope, the PH know it all brigade (arrogance seems to be a requirement to post here) started making it a mountain out of a molehill by questioning me.- Changes to MID _can_ take up to 14 days. That's allowable and acceptable within the law. Sometimes it takes a lot less, sometime's it's protracted. Muddying the waters with the plate change overlapping a keeper change certainly won't have sped it up, but your insurer got it on MID within the time they are allowed to take. It is that simple. ANY insurance change - new policy, renewal, whatever - CAN take 14 days. If you're going to sit and wait before driving ANY car until it shows on MID, that's your choice...
- Whether you had documents or not is irrelevant - although I'm amazed your insurer couldn't have emailed a PDF cover note or certificate through. All you need is the name of the insurer. Documents might help, they might not - it's down to Mr Plod's discretion. If you come across as credible and have the information to hand, you WILL get the benefit of the doubt, because everybody knows MID changes aren't instant. Never have been, probably never will be.
Still, at least I know how this place works now..and can get many hours entertainment from it.
3xpendable said:
It CAN take up to 14 days but I was told repeatedly it would be done 'the next day'...I merely posted a little rant about it but nope, the PH know it all brigade (arrogance seems to be a requirement to post here) started making it a mountain out of a molehill by questioning me.
Your proof of insurance is your insurance certficate, not the MID. It is more than possible for a car to be on the MID but not be insured. The issue seems to be the insurance company's inability to issue a cover note in a timely manner rather than anything to do with the MID.
3xpendable said:
It CAN take up to 14 days but I was told repeatedly it would be done 'the next day'...
And still you miss the point.Your CHOICE not to use your car until MID showed the policy was exactly that - your choice. No more, no less. It was a choice based on misconceptions and paranoia. It was a choice that, to be consistent, you should apply to EVERY policy change.
confused_buyer said:
Your proof of insurance is your insurance certficate, not the MID. It is more than possible for a car to be on the MID but not be insured.
The issue seems to be the insurance company's inability to issue a cover note in a timely manner rather than anything to do with the MID.
Utter rubbish. The only Proof you are insured comes from Plod ringing your insurance company. Certificates haven't been accepted for a long time due to the amount of people taking out a policy, paying the deposit, receiving the Certificate and then cancelling the direct debit!The issue seems to be the insurance company's inability to issue a cover note in a timely manner rather than anything to do with the MID.
Leptons said:
Utter rubbish. The only Proof you are insured comes from Plod ringing your insurance company. Certificates haven't been accepted for a long time due to the amount of people taking out a policy, paying the deposit, receiving the Certificate and then cancelling the direct debit!
OK, a "valid" insurance certificate then. The point is the MID is only a guide, not gospel.Gassing Station | General Gassing | Top of Page | What's New | My Stuff