Insurance issue.. again

[itannum990]

Received a letter for MID yesterday informing me that my car is uninsured. Checked on the website and lo and beyold, no insurance. Excellent, that makes me a cretin.
Bought the policy in October and had not been told at any stage that it was cancelled. So I've been driving.
I'll phone tomorrow to see what is going on, and obviously haven't touched the car since getting home yesterday, but how can they do this? I'm livid, frankly. If I'd have been caught, I'd lose my license and my job. I'm actually considering chasing 'compo' for this, if there isn't a justified reason for them to cancel my insurance policy.

[itannum990]

Yep paid and money been taken, checked my statements last night. No refund, no ncb it's a classic policy.

[itannum990]

ging84 said:

How have you established it was cancelled. Is this going to be another case of the missing letters from your insurer, or did you get the letters and ignore them?

Because it was paid and good, and now it is not good. Like I say I'll speak to them tomorrow and see what's happening but no, wouldn't ignore a letter threatening cancellation, that would be daft, and the policy has ran now for three months, only found out I didn't have cover yesterday but who knows for how long that has been the case?

[itannum990]

Nickyboy said:

They don't just cancel it without notifying you, you'll get phone calls, letters etc. The fact you haven't received any communication is unlikely

That's what I thought, but genuinely haven't been told or warned by any means. Searched my emails for any communication, none, no letters (wife would have got involved ) nothing by phone, nothing.

No BS, got no need to lie to you guys

[itannum990]

Apologies if I'm blowing off onto the wrong conclusion here, as I'm sure that you can all understand I am quite upset that I have been driving without insurance and do not hold insurance companies in the greatest of regards.
I am at work now but will check the reg when I get home in the morning.
Don't worry, whatever the story is I shall post it here be it my fault or theirs.

[itannum990]

Spoke to them, there is a possible IT issue, either causing the cover not to be sent to the mid or mid informed that cover was cancelled, due to the way they work the nice lady could not speak to the people involved but put a request through for them to look at it in due course.
If I am stopped by the police I must ask them to contact sureterm who can confirm that I am covered. No advice given regarding what to do in the event of ANPR auto issued letters. Because I forgot to ask.

[itannum990]

Magic919 said:

So they confirm you are insured.

They do.

[itannum990]

aw51 121565 said:

Did the insurance certificate and schedule, plus the other bumph, arrive in the post in a thick envelope a few days after you purchased the policy in October?

Insurers, in my experience, generally advise the insured to tell them if this stuff doesn't arrive in a timely fashion .

Yes all the papers arrived in a most timely manner. And as ever, I did check it on the MID after a couple of weeks.

[itannum990]

It now comes up as insured on MID. Good, I can tax it.

[itannum990]

shep1001 said:

Without reading all the other replies it sounds like the details have been put in wrong for the reg number. Had it with a car of mine AKS 406 went in as AK 5406. Took 6 months before I got tugged off plod for 'no insurance' but it took all of about 10 minutes to get put right. Just call the broker and ask them whats going on, who is the policy with/through??

Well it came up on MID after starting the policy, and then went off it recently.

Sureterm.