How quickly is your insurance added to the database??
Discussion
The poxy MoreThan site is down, so I probably won't be able to take out a policy until tomorrow.
I will be insured from noon tomorrow, but as you may have worked out, I'm worried I won't be able to tax the car for a week or so - the printed documents will at best arrive on the 27th/28th for a post office taxing.
I was hoping I'd be able to tax online a few hours after my credit card is billed for the insurance....but is that wishful thinking?
It shouldn't be, as if you do need to wait days, your car risks being clamped as it will come back as uninsured despite being all paid up...but I have little or no faith in our authorities, so it wouldn't surprise me if I am paying from noon tomorrow for insurance, but risk problems with the police or clampers until the database is updated.
Anyone know if it is automatic, or if there is a delay?
PS I know I will still risk getting done for not displaying a tax disc even if I do get one online tomorrow, as it takes 5 days to get to you, but this should keep ANPR police away, and as I am only visiting family, driving from one private drive to another, I'll take my chances.
I will be insured from noon tomorrow, but as you may have worked out, I'm worried I won't be able to tax the car for a week or so - the printed documents will at best arrive on the 27th/28th for a post office taxing.
I was hoping I'd be able to tax online a few hours after my credit card is billed for the insurance....but is that wishful thinking?
It shouldn't be, as if you do need to wait days, your car risks being clamped as it will come back as uninsured despite being all paid up...but I have little or no faith in our authorities, so it wouldn't surprise me if I am paying from noon tomorrow for insurance, but risk problems with the police or clampers until the database is updated.
Anyone know if it is automatic, or if there is a delay?
PS I know I will still risk getting done for not displaying a tax disc even if I do get one online tomorrow, as it takes 5 days to get to you, but this should keep ANPR police away, and as I am only visiting family, driving from one private drive to another, I'll take my chances.
Sods law it will not be instantaneously updated by MIB.
S 147 Road Traffic Act 1988
Issue and surrender of certificates of insurance and of security (1) A policy of insurance shall be of no effect for the purposes of this Part of this Act unless and until there is delivered by the insurer to the person by whom the policy is effected a certificate (in this Part of this Act referred to as a “certificate of insurance”
in the prescribed form and containing such particulars of any conditions subject to which the policy is issued and of any other matters as may be prescribed.
So your illegal jollies could fall foul of this and car uplifted.
But some Insurance Companies issue instant cover notes over the telephone by 'creating' an Agency to which the Cetificate is delivered on behalf od the Insured. As the Agency effectively receives it on behalf of the Insured this gets round S 147 above.
Does yours?
Excise Licence.
Only DVLA or Plods authorised by DVLA (few) can prosecute an offence of using without an Excise Offence. If stopped Plod will tell you he is reporting you but back at the Station he will submit a special Form (used to be CLE 2/6)to send to DVLA for their authorisation to go ahead. When they get the Form they check their records to see what state the licensing for the vehicle is at :SORN/Non/Current in Force. Now if within days the vehicle is brought up to scratch and licensed then the chances are that their records will show current Licence in Force on the date stopped so NFA. In this case if use is going to be made for the vehicle then the Licence should be taken out from 1.12.07 and not 1.1.08.
But, isnt there always a but, one can still be 'done'for failing to display a current Licence. No get out. Small fine and NO points.
Considering the above in the words of Durty 'Arry..... do yo really feel lucky?
dvd
S 147 Road Traffic Act 1988
Issue and surrender of certificates of insurance and of security (1) A policy of insurance shall be of no effect for the purposes of this Part of this Act unless and until there is delivered by the insurer to the person by whom the policy is effected a certificate (in this Part of this Act referred to as a “certificate of insurance”
in the prescribed form and containing such particulars of any conditions subject to which the policy is issued and of any other matters as may be prescribed.So your illegal jollies could fall foul of this and car uplifted.
But some Insurance Companies issue instant cover notes over the telephone by 'creating' an Agency to which the Cetificate is delivered on behalf od the Insured. As the Agency effectively receives it on behalf of the Insured this gets round S 147 above.
Does yours?
Excise Licence.
Only DVLA or Plods authorised by DVLA (few) can prosecute an offence of using without an Excise Offence. If stopped Plod will tell you he is reporting you but back at the Station he will submit a special Form (used to be CLE 2/6)to send to DVLA for their authorisation to go ahead. When they get the Form they check their records to see what state the licensing for the vehicle is at :SORN/Non/Current in Force. Now if within days the vehicle is brought up to scratch and licensed then the chances are that their records will show current Licence in Force on the date stopped so NFA. In this case if use is going to be made for the vehicle then the Licence should be taken out from 1.12.07 and not 1.1.08.
But, isnt there always a but, one can still be 'done'for failing to display a current Licence. No get out. Small fine and NO points.
Considering the above in the words of Durty 'Arry..... do yo really feel lucky?
dvd
Insurance Companies are meant to update the MIB database within 14 days - soon to be brought down to 7 I believe.
But the ANPR teams don't use the live database. No, they use a version 'downloaded recently' - how recent 'recently' might be remains an unanswered question, but it is more likely to be a few days ago than a few hours ago.
So add this to your reckoning when trying to guesstimate how quickly your insurance is added to the database.
Better to have the paperwork to hand to prove you have insurance, and the police will think more highly of you as they won't have to make phone calls to establish your vehicle's insurance status.
The way ANPR teams are being deployed at the moment (around Bolton I saw two in 5 days last week, I doubt it is much different elsewhere if you drive on main roads) I wouldn't risk it, especially if untaxed as well...
But the ANPR teams don't use the live database. No, they use a version 'downloaded recently' - how recent 'recently' might be remains an unanswered question, but it is more likely to be a few days ago than a few hours ago.
So add this to your reckoning when trying to guesstimate how quickly your insurance is added to the database.
Better to have the paperwork to hand to prove you have insurance, and the police will think more highly of you as they won't have to make phone calls to establish your vehicle's insurance status.
The way ANPR teams are being deployed at the moment (around Bolton I saw two in 5 days last week, I doubt it is much different elsewhere if you drive on main roads) I wouldn't risk it, especially if untaxed as well...
I had this problem last year and this year. I managed to get my insurance sorted early this year but still had to go and sort the tax out at the post office. My insurance runs out 23:59 on 31st December and new policy kicks in at 00:00 on 1st January. However the online database they use only looks up the current policy that expires at 23:59 which makes it think I am not insured for January and so cannot tax my car.
I believe anyone who's insurance expires at the end of the same month as their tax will fall foul of this.
I believe anyone who's insurance expires at the end of the same month as their tax will fall foul of this.
Thanks for above. I do think I had best wait for the paper certificate to arrive and then tax the car, hopefully on the 28th or so.
It is all swings and roundabouts, I suppose.....I have actually saved 50 quid by letting my insurance lapse with MoreThan, then come back as a 'new' customer two weeks later, as they give massive rebates to new customers ( only ).
But yeah, it has left me without proper papers or tax for the Christmas period.
Never mind, will just have to watch Jaws 1,2 and 3 again and again, as we all do
It is all swings and roundabouts, I suppose.....I have actually saved 50 quid by letting my insurance lapse with MoreThan, then come back as a 'new' customer two weeks later, as they give massive rebates to new customers ( only ).
But yeah, it has left me without proper papers or tax for the Christmas period.
Never mind, will just have to watch Jaws 1,2 and 3 again and again, as we all do
jondude said:
It is all swings and roundabouts, I suppose.....I have actually saved 50 quid by letting my insurance lapse with MoreThan, then come back as a 'new' customer two weeks later, as they give massive rebates to new customers ( only ).
Suspect you'll find that all the big companies do that now .Certainly the AA do it --one reason I went elsewhere and also before mine is due I'll have a look at sites like confused.com. Pays off .Think the big ones think that you'll just renew as we all used to knowing it was too much hassle to look around.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff