repeatedly pulled for no insurance on national database...
Discussion
I changed vehicles back in January mid policy and called my insurer to inform them of the change for which they relieved me of an additional £90.
Since then I have been either working locally or on holiday, until last week when I started a job which required a daily run up the A1 each day.
Finishing on Friday I was cruising home at a steady 65-70 and passed a traffic car, I noticed him pull out behind me and when I pulled back into the inside lane he followed and on came the blue lights..
I pulled up and got out to ask what the issue was only to be told that my vehicle was showing as uninsured and without MOT.
I argued that it most definately was as I had just moted it on Monday morning and paid extra to change the vehicle on my insurance. They accepted that it may not be showing up on their systems yet if it was just moted on Monday, but it had never been insured..and they would be impounding the car if I was unable to provide evidence that it was insured.
This is when panic starts to set in, had I forgotted or missed the renwal whilst on holiday?
The traffic officer told me I would be best off trying to call home to get access to my insurance documents or the name of my insurer...cue the wife not answering her "mobile" phone as per bloody usual!
I just managed to remember the registration number of the previous car on the policy and gave those details to the officer - the answer came back - yes, that it is showing as insured on the database... then a very long sweaty wait in my car whilst they attempted to contact the insurance company.
As it turned out I was insured as I had thought, but the insurance company had failed to change the details on the national database and were unable to exlain why they had failed to do so. So three quarters of an hour wasted and now extremely late for picking up the kids I head off.
I returned home and wrote a letter/email of complaint to their "complaints team"
I didnt drive the car over the weekend, but this morning about 10 miles after leaving home I again see the blue lights behind me and get pulled over....
just no insurance this time, and only quarter of an hour wasted due to me carrying insurance documents with me this time! Although I was warned that I will be getting picked up regularly if the insurance company dont sort this out and a print out of the policy document isnt really evidence that the car is currently insured as I may have cancelled it....
So the insurance company, even after being informed of their error have still failed to update the insurance database and also failed to reply to my letter of complaint!
I am now wondering if I am about to recieve a load of letters from police HQ after being picked up by all the scammera vans I have passed in the last few weeks....
Since then I have been either working locally or on holiday, until last week when I started a job which required a daily run up the A1 each day.
Finishing on Friday I was cruising home at a steady 65-70 and passed a traffic car, I noticed him pull out behind me and when I pulled back into the inside lane he followed and on came the blue lights..
I pulled up and got out to ask what the issue was only to be told that my vehicle was showing as uninsured and without MOT.
I argued that it most definately was as I had just moted it on Monday morning and paid extra to change the vehicle on my insurance. They accepted that it may not be showing up on their systems yet if it was just moted on Monday, but it had never been insured..and they would be impounding the car if I was unable to provide evidence that it was insured.
This is when panic starts to set in, had I forgotted or missed the renwal whilst on holiday?
The traffic officer told me I would be best off trying to call home to get access to my insurance documents or the name of my insurer...cue the wife not answering her "mobile" phone as per bloody usual!
I just managed to remember the registration number of the previous car on the policy and gave those details to the officer - the answer came back - yes, that it is showing as insured on the database... then a very long sweaty wait in my car whilst they attempted to contact the insurance company.
As it turned out I was insured as I had thought, but the insurance company had failed to change the details on the national database and were unable to exlain why they had failed to do so. So three quarters of an hour wasted and now extremely late for picking up the kids I head off.
I returned home and wrote a letter/email of complaint to their "complaints team"
I didnt drive the car over the weekend, but this morning about 10 miles after leaving home I again see the blue lights behind me and get pulled over....
just no insurance this time, and only quarter of an hour wasted due to me carrying insurance documents with me this time! Although I was warned that I will be getting picked up regularly if the insurance company dont sort this out and a print out of the policy document isnt really evidence that the car is currently insured as I may have cancelled it....
So the insurance company, even after being informed of their error have still failed to update the insurance database and also failed to reply to my letter of complaint!
I am now wondering if I am about to recieve a load of letters from police HQ after being picked up by all the scammera vans I have passed in the last few weeks....
surveyor said:
Your assuming that a) their priority is the same as yours and b) that the police car gets updated in the same time...
No, I was assuming that they would handle their cock up immediately - as they should......and the Police car is connected to the national database, so would be updated as soon as the insurance company updated the details on the database...Oddly in the past 25 years I have actually bought insurance policies on Fridays and Saturdays and have until now, have never been pulled for lack of insurance cover on the national database.... shocker!
Drumroll said:
Sorry but when is twice being pulled, suddenly turned into repeatedly.
We were stopped 4 times on a journey once as me and a few mates traveled from Norfolk to London down the A12. The reason was the Escort we were in matched the description of one used in a robbery. So as we went through each police area we got pulled. No real hassle after the first one. Mind you it was in 1980.
I have been pulled twice so far and warned that I will be pulled repeatedly... sorry for the upset.We were stopped 4 times on a journey once as me and a few mates traveled from Norfolk to London down the A12. The reason was the Escort we were in matched the description of one used in a robbery. So as we went through each police area we got pulled. No real hassle after the first one. Mind you it was in 1980.
LoonR1 said:
The problem that I have here is that you would have received a letter from the MOtor a insurers Bureau who "police" these databases telling you that your vehicle is uninsured and to address that situation or face a fine of £100, vehicle seized etc.
I can't see that you've fallen through the cracks on both processes, which do separate checks.
http://www.mib.org.uk/Motor+Insurance+Database/en/...
The insurance was changed over in January and paid for immediately, together with an insurance policy document being emailed to me, no contact from anyone since.I can't see that you've fallen through the cracks on both processes, which do separate checks.
http://www.mib.org.uk/Motor+Insurance+Database/en/...
Pulled over twice since Friday and told that the vehicle is still not shown as insured on the database........ or maybe I am making it all up.....
LoonR1 said:
Maybe you are, maybe you're not. There are currently a few threads running on here that are clearly works of fiction.
My query stands. If your car is showing as no insurance and it is your car, registered at your address, then you would have received a chaser form the mIb, who administer MID chasing you to either get insurance or face a fine. Why haven't you received these either? Seems very convenient.
to answer your "query" the car is my car and I have the V5 and purchase reciept to prove - all from back in January, the vehicle is also registered at my current address and has been since change of ownership back in January. I also have recieved no such chaser from ANYONE - please ask the relevant authority of which you speak as to why ! My query stands. If your car is showing as no insurance and it is your car, registered at your address, then you would have received a chaser form the mIb, who administer MID chasing you to either get insurance or face a fine. Why haven't you received these either? Seems very convenient.
Convenient or not, it is the truth, even if you struggle with it.
The first traffic officer said that my insurance company were at a loss to explain why they haddnt changed the vehicle details on the database back in January. Unfortunately they were closed by the time I got to pick the kids up on Friday and I was far too busy to call them today... the morning will bring an interesting conversation with them though.
Edited by hedgefinder on Monday 13th April 21:09
LoonR1 said:
I'm not saying you're making it up. It's not my responsibility to chase anyone up, no matter how fancy the words are that you use.
So what you're saying is that, not only has your insurer failed to update MID, but the administrators of MID have also not bothered to check it either.
At this moment in time, if what you say is correct and the only way that this can happen, then YES is the difinitive answer.So what you're saying is that, not only has your insurer failed to update MID, but the administrators of MID have also not bothered to check it either.
randlemarcus said:
well.. the results are.."NO XXXX XXX is NOT showing as insured on the Motor Insurance Database today."
surveyor said:
How on earth can we explain? You need to ask your insurer, not us.
it was actually in answer to a post made earlier insinuating that this situation was pretty much an impossibility... and the possibility that this thread was a work of an over active imagination, or some such..
Edited by hedgefinder on Monday 13th April 21:44
stuart313 said:
I thought the law says you have to have insurance, not to have insurance and make sure this shows up on some on-line database somewhere.
If you are properly insured then what concern of yours is it whether it shows up on the MIB or not.
probably just the concern of being able to drive my vehicle without being pulled over and the vehicle impounded....If you are properly insured then what concern of yours is it whether it shows up on the MIB or not.
LoonR1 said:
Thanks for the above. You've just shown that a failed upload / miskeyed data does result in a letter from MID. The two week delay isn't a surprise as there's always going to be delays. However the OP says that he has had this policy in force since Jan with no letter from the MIB asking him to rectify.
correct, and the vehicle details are correct on the ammended policy schedule also.Also STILL not shown as insured on the MID database.... will be calling the insurers in the next hour.
pulled up again this morning by the way........ still at a loss to explain exactly why its taken 3 months to get pulled over.. a change in route is all I can come up with...
Anyway - called th insurance company and it was stated that their complaints team is handling the case but they are unable to explain how or why the vehicle details were not changed back in January or why it hasnt been flagged by the MiD.
Thay also confirmed that all details were correct back in January and everything is up to date.
The guy initially told me that they had sent the paperwork off to the MiD yesterday, and then when I questioned why it wasnt done on Friday the answer was changed to - it was done on Friday. So who knows what the truth is, so far had absolutrely no explaination or reply from their complaints dept, but the guy on the phone did say that they are handling it and considering a good will payment for their error and the inconvenience caused. I did say that in all honesty I was more concerned about being puled over every day until this is sorted and was told it could take 14 working days from the register to be updated!
Anyway - called th insurance company and it was stated that their complaints team is handling the case but they are unable to explain how or why the vehicle details were not changed back in January or why it hasnt been flagged by the MiD.
Thay also confirmed that all details were correct back in January and everything is up to date.
The guy initially told me that they had sent the paperwork off to the MiD yesterday, and then when I questioned why it wasnt done on Friday the answer was changed to - it was done on Friday. So who knows what the truth is, so far had absolutrely no explaination or reply from their complaints dept, but the guy on the phone did say that they are handling it and considering a good will payment for their error and the inconvenience caused. I did say that in all honesty I was more concerned about being puled over every day until this is sorted and was told it could take 14 working days from the register to be updated!
Edited by hedgefinder on Tuesday 14th April 15:07
Sheepshanks said:
I have to say that bearing in mind I can hardly remember when I last saw a Police car, you must live in a right dodgy area!
...or perhaps it's a very nice area and the Police have got nothing better to do?
funnily enough, if your read what I posted earlier its only in the last 2 weeks that I have been driving out of the area in which I live and driving up the A1 that this has started happening!...or perhaps it's a very nice area and the Police have got nothing better to do?
Hackney said:
What I'm finding amazing is that the OP got pulled over twice in 4 days and was warned of further pulls.
This would imply that there are lots of police out there pulling offenders all the time. I'm just amazed that there are any empty spaces on the hard shoulders of the country's motorways given the number of pulls this would mean.
The reality seems to be speed cameras, sorry, smart motorway road safety cameras every mile and no-one being pulled over at all.
(Please note OP I am not questioning the validity of your post)
it was 3 times in 5 days actually.... not been pulled today as it happens .. This would imply that there are lots of police out there pulling offenders all the time. I'm just amazed that there are any empty spaces on the hard shoulders of the country's motorways given the number of pulls this would mean.
The reality seems to be speed cameras, sorry, smart motorway road safety cameras every mile and no-one being pulled over at all.
(Please note OP I am not questioning the validity of your post)
Still not had any reply at all from the insurance company and their "complaints team"...... and still not on MiD - I will be checking everyday just to see how long it takes to be added to the database.
Edited by hedgefinder on Wednesday 15th April 15:38
ZOLLAR said:
Not sure if it's been covered, there seems to be a lot of moaning, arguing etc
Typical of a PH insurance Thread.
Anyway,
MID sets the time limit of 7 days, this is set out by the department of transport.
Question 13 I believe
http://www.mib.org.uk/Motor+Insurance+Database/en/...
http://www.mib.org.uk/Motor+Insurance+Database/en/...
Insurance companies aren't going to spend more money to make it instantaneous unless it benefits them, yes that's the truth a for profit organisation will base much of their decisions on cost.
If you wish the update to be real time then lobby DfT or your local MP, if the rulings are changed insurance companies will abide by this.
However be in no doubt the cost will be passed along, sometimes in life it's just easier to accept that in life there inconveniences like being stopped by the police.
The OP situation is rare, in his position I'd be making a complaint by now so they can put some resource into identifying the cause of the delay.
that would be the complaint made on Friday night to their "complaints department" followed by another complaint made on Monday night which was followed up by a phone call on Tuesday.... all of which produced no answers what so ever regarding how this situation had occured and in the case of their "complaints department" not even a reply to date.Typical of a PH insurance Thread.
Anyway,
MID sets the time limit of 7 days, this is set out by the department of transport.
Question 13 I believe
http://www.mib.org.uk/Motor+Insurance+Database/en/...
http://www.mib.org.uk/Motor+Insurance+Database/en/...
Insurance companies aren't going to spend more money to make it instantaneous unless it benefits them, yes that's the truth a for profit organisation will base much of their decisions on cost.
If you wish the update to be real time then lobby DfT or your local MP, if the rulings are changed insurance companies will abide by this.
However be in no doubt the cost will be passed along, sometimes in life it's just easier to accept that in life there inconveniences like being stopped by the police.
The OP situation is rare, in his position I'd be making a complaint by now so they can put some resource into identifying the cause of the delay.
The only statement that was made was that it may take up to 14 days to update on MiD....
ZOLLAR said:
So the car still isn't showing on MID, have the insurer or you contacted MID to discuss this?
There could be many reasons why the information isn't being sent or why it isn't being received by MID.
they alledgedly sent the information to the MiD on Monday, but then changed that story to having done it on Friday immediately after they were contacted by the police... after I questioned as to why it haddnt been done immediately.There could be many reasons why the information isn't being sent or why it isn't being received by MID.
They then stated that it could take up to 14 working days to be updated.
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