Discussion
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.
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 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.Registration number changes, ring insurers and advise of new reg. Job done.
feef said:
What's the relationship of this post to the Motor Insurer's Database tho?
Not blaming the MID, but read aboveTwigtheWonderkid 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?The MID is a guide for the authorities. It is not the last word on being insured or not.
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
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 said:
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...?
Yes, I bought a car with the private plate on. Guilty as charged, tried and convicted in the court of PH experts 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...?
Ok my title a worded badly, it should have been "Damned Insurance Company". However, in the land of perfection where one does everything perfect and correct and is an expert right from birth, bear in mind that in the real world, my complaint was that a simple task took over 10 days. And because I try to do things legally and by the book, the exact opposite of the idiots who cancel policies and fake certificates, somehow I'm the one in the wrong.Roo said:
Calm down.
Defending myself against stupid posts by expert keyboard warriors is far different from calming down. I'm perfectly relaxed, merely replying to posts that need to be corrected.[quote]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.
[quote]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?
The arrogance here never fails me, most of the time its amusing
TwigtheWonderkid said:
So when you told your insurers of the change, why not just ask them to email you immediately a new cert or cover note with the new reg number on.
Then you have that in your possession to show the police if you get pulled over which is unlikely in the first place.
Christ, you've really made a mountain out of a molehill.
I did, and they kept promising too but didn't which was the problem. It seems you are hard of reading.Then you have that in your possession to show the police if you get pulled over which is unlikely in the first place.
Christ, you've really made a mountain out of a molehill.
No, it's you making a mountain out of a molehill by going all high and mighty about how I was in the wrong for 1. Not driving a car I had no documents to prove was insured with the new registration and 2. Being annoyed about a 5 minute task taking 10 days.
Christ, you really are a tosser.
TwigtheWonderkid said:
Utter rubbish.
"Ello,ello, ello, we've stopped you because your car isn't on MID."
"Yes, I only bought it 3 days ago. But I've insured it and here's the documentation my insurer emailed me."
"That's fine thanks sir, sometimes it can take a while to show on the system. Sorry for the inconvenience."
Thrilling telly that is!
And again you seem uncapable of reading my previous posts. It isn't my main car, it's my weekend toy so I didn't need it, but it was a pain not having the opion to use it and I was happier leaving it sit for 10 days rather then being inconvenienced and having to produce a producer etc etc. Capiche?
"Ello,ello, ello, we've stopped you because your car isn't on MID."
"Yes, I only bought it 3 days ago. But I've insured it and here's the documentation my insurer emailed me."
"That's fine thanks sir, sometimes it can take a while to show on the system. Sorry for the inconvenience."
Thrilling telly that is!
And again you seem uncapable of reading my previous posts. It isn't my main car, it's my weekend toy so I didn't need it, but it was a pain not having the opion to use it and I was happier leaving it sit for 10 days rather then being inconvenienced and having to produce a producer etc etc. Capiche?
confused_buyer said:
If you're that paranoid you'll always have to wait before driving a car you've just insured regardless of any plate change.
I drive to speed limits, I make sure my car is taxed and road legal. If that makes me paranoid so be it. TooMany2cvs said:
No, sorry. But it's you that's making the mountain out of the molehill here...
It CAN take up to 14 days but I was told repeatedly it would be done 'the next day'...I merely posted a little rant about it but nope, the PH know it all brigade (arrogance seems to be a requirement to post here) started making it a mountain out of a molehill by questioning me.- Changes to MID _can_ take up to 14 days. That's allowable and acceptable within the law. Sometimes it takes a lot less, sometime's it's protracted. Muddying the waters with the plate change overlapping a keeper change certainly won't have sped it up, but your insurer got it on MID within the time they are allowed to take. It is that simple. ANY insurance change - new policy, renewal, whatever - CAN take 14 days. If you're going to sit and wait before driving ANY car until it shows on MID, that's your choice...
- Whether you had documents or not is irrelevant - although I'm amazed your insurer couldn't have emailed a PDF cover note or certificate through. All you need is the name of the insurer. Documents might help, they might not - it's down to Mr Plod's discretion. If you come across as credible and have the information to hand, you WILL get the benefit of the doubt, because everybody knows MID changes aren't instant. Never have been, probably never will be.
Still, at least I know how this place works now..and can get many hours entertainment from it.
TooMany2cvs said:
And still you miss the point.
Your CHOICE not to use your car until MID showed the policy was exactly that - your choice. No more, no less. It was a choice based on misconceptions and paranoia. It was a choice that, to be consistent, you should apply to EVERY policy change.
Misconceptions yes, paranoia no. If I had driven the car then got stopped and somehow been booked for having no insurance then moaned on here, I'm sure you'd have been one of the first to bark "You should have made sure your car was insured mate".Your CHOICE not to use your car until MID showed the policy was exactly that - your choice. No more, no less. It was a choice based on misconceptions and paranoia. It was a choice that, to be consistent, you should apply to EVERY policy change.
At no point when I asked the insurance company did they tell me I could drive the car while waiting new certificates and MID confirmation. So yes, upon not being told otherwise, I assumed the side of caution and didn't use the car. So yes it was MY choice to be safe, just like it is your choice to be an absolute argumentative moron just so you can have the 'last word'..
confused_buyer said:
OK, a "valid" insurance certificate then. The point is the MID is only a guide, not gospel.
And there's my point. I get pulled over with a car with E*** **Y plates and in my hand I'm holding a certificate for the car with reg D* **G....thats not a VALID insurance certificate is it mate?! I'd love to see some of you argue these points with the plod... TooMany2cvs said:
3xpendable said:
At no point when I asked the insurance company did they tell me I could drive the car while waiting new certificates and MID confirmation.
Did they tell you that you couldn't?No, but then i compete in motorsport and in any rulebook it states words to the effect if "Unless we explicitly state you CAN do something, then you CANNOT"...they didn't tell me I couldnt, but they also didn't tell me it would be ok to drive while the certificate change took place.
3xpendable said:
And there's my point. I get pulled over with a car with E*** **Y plates and in my hand I'm holding a certificate for the car with reg D* **G....thats not a VALID insurance certificate is it mate?!
Umm, yes, it may very well relate to a perfectly valid policy.Gassing Station | General Gassing | Top of Page | What's New | My Stuff