Producing documents
Discussion
My saga continues...
Just been up to the police station to produce the V5 and insurance docs for the car I was driving when pulled over for speeding. I was insured for a week in my friend's car and, because his policy ended during this week and the new one started, he has a certificate of insurance to cover the first few days, then a letter from the insurer to cover the last few. I've just been told by the police that they can't accept the letter because it might be a fake - despite the fact it's on identical headed paper to the certificate, includes a reference number and contact details for the insurer. My friend has now called the insurer up and they said they can't issue a certificate and that the police have to accept the letter.
I'm really annoyed to say the least. Anyone got any suggestions?!
Just been up to the police station to produce the V5 and insurance docs for the car I was driving when pulled over for speeding. I was insured for a week in my friend's car and, because his policy ended during this week and the new one started, he has a certificate of insurance to cover the first few days, then a letter from the insurer to cover the last few. I've just been told by the police that they can't accept the letter because it might be a fake - despite the fact it's on identical headed paper to the certificate, includes a reference number and contact details for the insurer. My friend has now called the insurer up and they said they can't issue a certificate and that the police have to accept the letter.
I'm really annoyed to say the least. Anyone got any suggestions?!
paulie-mafia said:This is a motoring offence, they will cling on with a death grip to anything and everything. Of course what they wrote is true, but irrelevant. The status of being insured is not conveyed by ownership of a certificate, and lack of a certificate is not proof that someone is uninsured. But they're overworked, fecked around by incompetent leadership - v high up for those BiB thinking this is a pop at front line officers which it is not - and like an easy life, who doesn't when working in such difficult circumstances.
Bump
After a heated discussion, they accepted the letter, but wrote on the form "No certificate of insurance". How pedantic can you get?!
Paulie - are the insurers saying the certificate is not yet available as it will come through when his certificate comes through in the normal course of events, or are they refusing to issue a certificate for the time covered?
As a guidance, I made a change to my insurance over the phone yseterday and had a new certificate arrive in the post this morning. It's not that hard to get one issued.
Are you sure you were covered? It's important to get this sorted out as it's a 6-pointer if you are driving whilst uninsured.
As a guidance, I made a change to my insurance over the phone yseterday and had a new certificate arrive in the post this morning. It's not that hard to get one issued.
Are you sure you were covered? It's important to get this sorted out as it's a 6-pointer if you are driving whilst uninsured.
Yeah I was definitely insured. Problem was that during the week I was covered, my mate's insurance expired and the new 12 month policy began. The insurer screwed up and the new certificate was issued, but carrying the wrong date - something my friend only realised after we'd been pulled. Hence, he called up the insurer, pointed out their mistake and they sent the letter to confirm that I was covered.
A letter is not proof of insurance. The Police for their own purposes and the post office for that matter will not accept a letter as insurance cover to renew your tax. It has to be a proper certificate to qualify as genuine proof.
A quick call from the person taking the document production to the insurance company would have cleared the situation up BUT some insurance companies will not give out information over the phone because of Data protection issues!
A quick call from the person taking the document production to the insurance company would have cleared the situation up BUT some insurance companies will not give out information over the phone because of Data protection issues!
turbobloke said:
The status of being insured is not conveyed by ownership of a certificate, and lack of a certificate is not proof that someone is uninsured.
Apparently, (and this is particularly relevant for policies bought on the internet) you’re technically not insured until the certificate (or a cover note) has been delivered to you.
deva link said:Also, and I wasn't being deliberately perverse with the hint, a certificate may be invalid for a particular claim because of lack of disclosure, or it may be a very good forgery, and so on. The lack of a certificate doesn't necessarily mean anything much, except hassle for the poor sod who's lost it or whose insurers are enjoying computer downtime and a bad hair day and... But then it could be something, who knows.
The status of being insured is not conveyed by ownership of a certificate, and lack of a certificate is not proof that someone is uninsured.
Apparently, (and this is particularly relevant for policies bought on the internet) you’re technically not insured until the certificate (or a cover note) has been delivered to you.
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