Sister in-law, no insurance question?

[BigsimonY]

So my 19 year sister in-law pasted her test 2 weeks ago. She immediately bought a car from Arnold Clark. She organised insurance few days later and picked the car up. 3 days ago she was stopped and pulled by the police. After some checks its came back as no insurance on the car. It turns out the insurance company has taken the details (registration number) down wrong. The car was taken from her and she now has to attend court. As a new driver a resit of the test is now likely as its six points for no insurance. She phoned the insurance company that day and they confirmed that the wrong reg was applied to her policy. She is adamant that she gave the right reg number and the company has entered it into the system wrongly. What is the way forward here. Will the insurance company have recordings of the call, will she get assess to them. If it is shown to be a clerical error on the insurance company's part will a court look at this of will it be black and white.....6 points and a resit?

[BigsimonY]

Jim AK said:

If registration number was incorrect, how did she, someone, anyone get VED for it?

Also I'd have thought that when she originally insured it the computer wouldn't have recognised the car details against the provided Registration number.

It was done over the phone, and the car is road tax exempted

[BigsimonY]

2lefthands said:

BigsimonY said:

3 days ago she was stopped and pulled by the police. After some checks its came back as no insurance on the car. It turns out the insurance company has taken the details (registration number) down wrong. The car was taken from her and she now has to attend court. As a new driver a resit of the test is now likely as its six points for no insurance. She phoned the insurance company that day and they confirmed that the wrong reg was applied to her policy.

Before this goes to the usual PH route and shouts of BS start, what was she stopped (and pulled, presumably tugged a bit too) for? You state that after checks the officer stated no insurance. I've had this on more than one occasion (delays updating on purchase, but once a letter out on a brand new reg, as above, Merc and the same model on successive plates), and have requested the chance to contact the insurer to provide verbal or written proof of cover. Given the faff to seize and impound a vehicle, I'm pretty sure unless some other offence was being committed, they'd have offered a 19 year old girl this opportunity too. That is unless she got a bit verbal with the plod and the attitude test went out the window?

So, what's the rest of the story, then this can go more the way I was expecting it to?

I can't really comment any further, this is all I know. She may well have been verbal, or not.

[BigsimonY]

Nothing much to update. She has contacted a suitable lawyer, she is await a court date, her lawyer has told her not to panic and let him deal with it. Well that's what I've been told anyway.