I've forgotten who I'm insured with!
Discussion
Hello,
Being "Mr Memory" I've completely forgotten who my car is insured with (it is insured, I checked with MIB!) and I partly blame these comparison sites because I just click the cheapest and get on with my fast-paced life (I know, I know, I'm clutching at straws!). We're also in the middle of a house move right now so the paperwork is in a.n.other box at the moment (you get the idea of how organised I am).
Anyway, does anyone know how I can find out who I'm insured through. I'm just hoping that there's something online that will give me the company/site.
Thanks,
Phil.
Being "Mr Memory" I've completely forgotten who my car is insured with (it is insured, I checked with MIB!) and I partly blame these comparison sites because I just click the cheapest and get on with my fast-paced life (I know, I know, I'm clutching at straws!). We're also in the middle of a house move right now so the paperwork is in a.n.other box at the moment (you get the idea of how organised I am).
Anyway, does anyone know how I can find out who I'm insured through. I'm just hoping that there's something online that will give me the company/site.
Thanks,
Phil.
TwigtheWonderkid said:
And when their claims service is so poor that the third party gets fed up with lack of response and just issues a summons against you as the negligent driver, then what?
Then I'll curse my lackadaisical attitude to insurance, find out where you live and knock on your door and slap my forehead saying "D'oh! You were right. What AM I like".assuming you're in walking distance from me as my car will be u/s. If not, I'll update this thread instead
Edited by Landlord on Monday 25th March 12:42
stitched said:
This.
Once a year I go online, find the cheapest quote and shell out a lump sum. I haven't had an 'accident' in 24 years driving other than being driven into whilst stationary. I fix and maintain my vehicles and have access to a recovery truck. Taking responsibility for yourself removes much of the need for the trimmings of most policies IMHO.
In a similar vein, I get breakdown cover and legal cover through my bank account, so always untick these options when getting a quote.Once a year I go online, find the cheapest quote and shell out a lump sum. I haven't had an 'accident' in 24 years driving other than being driven into whilst stationary. I fix and maintain my vehicles and have access to a recovery truck. Taking responsibility for yourself removes much of the need for the trimmings of most policies IMHO.
CYMR0 said:
Check your bank statements around the time - there should still be a payment out to the insurer/broker even if in one go.
Failing that, you can pay the MID to get full details of your insurer if you really need it.
Otherwise, can you wait for renewal?
I need to to tax my car, unfortunately.Failing that, you can pay the MID to get full details of your insurer if you really need it.
Otherwise, can you wait for renewal?
ferrariF50lover said:
My friend you are not alone. I have done this very thing and it is a nightmare.
I was stopped one night in a bright orange ST by an unmarked Volvo having given it the shoe coming out of a service station on the M5. Copper, credit to him, wasn't overly bothered by the speed so much (I had only poked up to high speed while joining the traffic and had slowed back down to a cruise right after, so common sense was applied). What did fuss him was that his ANPR was telling him my motor was uninsured. Now, this is a lesson to us all, ANPR can and does get things wrong. Anyway, cop tries to radio back to base to get a PNC check and their system is broken, so he can't verify one way or the other. He asks me with whom I am insured and, bosh, my mind goes totally blank. I had done like you, comparethemeerkat and click the cheapest link. I didn't have my paperwork, I couldn't for the life of me remember who I was with, it was the middle of the night so I didn't fancy calling anyone to see if they could recall. Fortunately, Five-Oh gave me the benefit of the doubt, based largely on the fact that everything else was in order, I was a chap of good standing (had useful ID) and that I would have to be insane to be hoofing around in fifteen grands worth of bright orange hooligan mobile without insurance.
Anyway, the moral of the story is, you can find out by calling the ABI, paying them a fee, filling in a form and posting it off, then waiting a month of Sundays for the answer to arrive.
Hope this helps.
Simon.
Thanks Simon. It does for future reference, although I managed to dig up the original email. Good job I did as it expires at the end of April.I was stopped one night in a bright orange ST by an unmarked Volvo having given it the shoe coming out of a service station on the M5. Copper, credit to him, wasn't overly bothered by the speed so much (I had only poked up to high speed while joining the traffic and had slowed back down to a cruise right after, so common sense was applied). What did fuss him was that his ANPR was telling him my motor was uninsured. Now, this is a lesson to us all, ANPR can and does get things wrong. Anyway, cop tries to radio back to base to get a PNC check and their system is broken, so he can't verify one way or the other. He asks me with whom I am insured and, bosh, my mind goes totally blank. I had done like you, comparethemeerkat and click the cheapest link. I didn't have my paperwork, I couldn't for the life of me remember who I was with, it was the middle of the night so I didn't fancy calling anyone to see if they could recall. Fortunately, Five-Oh gave me the benefit of the doubt, based largely on the fact that everything else was in order, I was a chap of good standing (had useful ID) and that I would have to be insane to be hoofing around in fifteen grands worth of bright orange hooligan mobile without insurance.
Anyway, the moral of the story is, you can find out by calling the ABI, paying them a fee, filling in a form and posting it off, then waiting a month of Sundays for the answer to arrive.
Hope this helps.
Simon.
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