Damned MID...

[3xpendable]

Bought a new car a month or so ago, which had a private plate the old owner was taking off. No bother, until it came to getting my insurance company to change the details to the new registration. What normall takes hours in my past experience took a LOT of frustrated phone calls and 10 days!

Every time I rang them they just said "Yes we have the details and will do it today"...it got ridiculous abut alas it's done now and I can use the car again.
Rant over.

[swisstoni]

Why didn't the seller sort it out before selling? I personally wouldn't get involved in a car purchase with unresolved registration changes.

[Roo]

Eh?

Registration number changes, ring insurers and advise of new reg. Job done.

[feef]

What's the relationship of this post to the Motor Insurer's Database tho?

[3xpendable]

swisstoni said:

Why didn't the seller sort it out before selling? I personally wouldn't get involved in a car purchase with unresolved registration changes.

Because I bought it before he had time to change the plates over.

Roo said:

Eh?

Registration number changes, ring insurers and advise of new reg. Job done.

Yes, but IF they don't put that data on the MID (The Motor Insurance Database), then it flags up on any police cameras as uninsured. I rang them 10 days ago, to get 'job done' took until today.

feef said:

What's the relationship of this post to the Motor Insurer's Database tho?

Not blaming the MID, but read above

[anonymous-user]

Serious question - Why on earth would you care?

Even if you were pulled over you are still insured and the misunderstanding would probably take 10 minutes to clear up if the copper has more than two braincells to rub together.

So what if it takes them a few days to update the system?

[feef]

3xpendable said:

swisstoni said:

Why didn't the seller sort it out before selling? I personally wouldn't get involved in a car purchase with unresolved registration changes.

Because I bought it before he had time to change the plates over.

Roo said:

Eh?

Registration number changes, ring insurers and advise of new reg. Job done.

Yes, but IF they don't put that data on the MID (The Motor Insurance Database), then it flags up on any police cameras as uninsured. I rang them 10 days ago, to get 'job done' took until today.

feef said:

What's the relationship of this post to the Motor Insurer's Database tho?

Not blaming the MID, but read above

Quite, so the title should, perhaps, have been "damned insurance company'?

[3xpendable]

Because I don't enjoy driving my car with the concern that I'll be pulled over and have to go through the hassle of showing my documents.

[3xpendable]

feef said:

Quite, so the title should, perhaps, have been "damned insurance company'?

Tomato Tomaaado

[TwigtheWonderkid]

3xpendable said:

Because I don't enjoy driving my car with the concern that I'll be pulled over and have to go through the hassle of showing my documents.

And how is that less hassle than not driving for 10 days? Quite bizarre.

The MID is a guide for the authorities. It is not the last word on being insured or not.

[3xpendable]

TwigtheWonderkid said:

And how is that less hassle than not driving for 10 days? Quite bizarre.

The MID is a guide for the authorities. It is not the last word on being insured or not.

Jesus H bleedin Christ, plenty of argumentative people on here isn't there?

So I'm wrong for not wanting to drive a car on the road that I'm not 100% sure is insured and therefore LEGAL but then the many people who have posted in the Nurburgring Thread about 'just go and drive without insurance' get totally reamed?

It's not my only car, it's my fun car so I still had my other daily to use which I did. But the whole point of this thread was simply venting my annoyance at how long it took to simply get a change in registration uploaded to the MID.

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

[vikingaero]

Several years ago, our fleet never appeared on the MID database for a whole year despite kicking the broker and insurer. Not one vehicle was ever stopped and this included HGVs and vans that covered 50-100k pa and reps in cars that did up to 50k

[Mopar440]

3xpendable said:

So I'm wrong for not wanting to drive a car on the road that I'm not 100% sure is insured and therefore LEGAL

Umm, surely you are the person that does know whether your car's insured or not?

[xRIEx]

3xpendable said:

TwigtheWonderkid said:

And how is that less hassle than not driving for 10 days? Quite bizarre.

The MID is a guide for the authorities. It is not the last word on being insured or not.

Jesus H bleedin Christ, plenty of argumentative people on here isn't there?

So I'm wrong for not wanting to drive a car on the road that I'm not 100% sure is insured and therefore LEGAL...

Twig's right - the MID has no bearing on whether your car is insured or not. There is (or certainly was) 14 days have to get reg numbers uploaded to the MID.

If you get pulled the police will give you a producer, you show them your cover note or certificate, end of story. Just like the old days.

[saaby93]

Mopar440 said:

Umm, surely you are the person that does know whether your car's insured or not?

It's all very well knowing, but it doesnt help very much if youre left by the roadside while your car's taken to the pound because the computer said no

[ben5732]

My car wasn't shown as insured on the mid once. I was 20 at the time and they just gave me a producer.
Not being funny if a lad of that age driving a bmw gets a producer I think you'll be fine.

[Mopar440]

saaby93 said:

t's all very well knowing, but it doesnt help very much if youre left by the roadside while your car's taken to the pound because the computer said no

You've got evidence of cars being seized and not asked for a producers as others have said?

[3xpendable]

Mopar440 said:

Umm, surely you are the person that does know whether your car's insured or not?

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, and up until today the new reg was showing up on the MID as not insured. But according to you, if I say to a police officer who stops me "Oh yes officer, I KNOW its insured, you have my word" when his database "i.e the MID" shows the car as NOT being insured because the company hasn't updated it, he's just going to take my word for it and say 'On your way sir'.....what a moron.

Where the law is concerned, it doesn't matter a damn what you know, but what you can PROVE, and if I could not prove that my car with number plate XXXX XXX was insured, I would be in for a lot of hassle.

As for the other posts, maybe you have driven round with the car not on the MID. But, I have been stopped once for driving a car that was insured but wasn't showing up as so on the MID. So if you want to argue that point to a police officer go ahead, but I would rather make sure my car is totally insured before taking it out and having to deal with the police, producers or anything else.

[TooMany2cvs]

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...?

[Roo]

3xpendable said:

Mopar440 said:

Umm, surely you are the person that does know whether your car's insured or not?

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, and up until today the new reg was showing up on the MID as not insured. But according to you, if I say to a police officer who stops me "Oh yes officer, I KNOW its insured, you have my word" when his database "i.e the MID" shows the car as NOT being insured because the company hasn't updated it, he's just going to take my word for it and say 'On your way sir'.....what a moron.

Where the law is concerned, it doesn't matter a damn what you know, but what you can PROVE, and if I could not prove that my car with number plate XXXX XXX was insured, I would be in for a lot of hassle.

As for the other posts, maybe you have driven round with the car not on the MID. But, I have been stopped once for driving a car that was insured but wasn't showing up as so on the MID. So if you want to argue that point to a police officer go ahead, but I would rather make sure my car is totally insured before taking it out and having to deal with the police, producers or anything else.

Calm down.

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.

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?