Discussion
My wife was pulled over for a spot check at 3am on Saturday while driving back from her voluntary work in our Volvo. While doing his checks the copper noticed that my wifes DoB on the car insurance showing on his PNC was 01/01/2001. While she is a bit younger than me, it's not by that much ! Incidentally, the car is in my name, as is the insurance, with her as named driver.
He was very nice about it apparently and asked if she was insured on anything else. My Land Rover is in her name, so he checked that, only to find the PNC showing it as insured, but not by my wife or me.
He said the DoB was obviously an error, although technically she wasn't insured to drive the Volvo and neither of us were insured to drive the Land Rover and to take it easy on the way home and sort the insurance asap.
Cue one very annoyed wife waking me up when she got home, as it was obviously my fault. So I checked both sets of insurance docs, both hardcopy and online, to find they were all correct.
At 9am I rang both insurance companies to confirm they had my wifes correct DoB and the Land Rover was insured by us. Their records were all correct, as was the insurance company database.
Next I called 101 and spoke to a very helpful lady who checked the PNC again and confirmed that they had my wifes DoB as 01/01/2001 and the Land Rover was insured, but not by us. She did say that the link between the PNC and the insurance company database was not the best, which didn't exactly instill me with confidence.
Has anyone else had this issue before ? I'm stuck in the middle as the Police say it's the insurance companies fault and they say it is a PNC issue. I also have a wife who is worried the car will be impounded by an over zealous Police officer in the early hours of the morning !
He was very nice about it apparently and asked if she was insured on anything else. My Land Rover is in her name, so he checked that, only to find the PNC showing it as insured, but not by my wife or me.
He said the DoB was obviously an error, although technically she wasn't insured to drive the Volvo and neither of us were insured to drive the Land Rover and to take it easy on the way home and sort the insurance asap.
Cue one very annoyed wife waking me up when she got home, as it was obviously my fault. So I checked both sets of insurance docs, both hardcopy and online, to find they were all correct.
At 9am I rang both insurance companies to confirm they had my wifes correct DoB and the Land Rover was insured by us. Their records were all correct, as was the insurance company database.
Next I called 101 and spoke to a very helpful lady who checked the PNC again and confirmed that they had my wifes DoB as 01/01/2001 and the Land Rover was insured, but not by us. She did say that the link between the PNC and the insurance company database was not the best, which didn't exactly instill me with confidence.
Has anyone else had this issue before ? I'm stuck in the middle as the Police say it's the insurance companies fault and they say it is a PNC issue. I also have a wife who is worried the car will be impounded by an over zealous Police officer in the early hours of the morning !
Additional drivers often show that DOB on PNC, I’ve always assumed it’s a formatting error somewhere along the line, and as long as the name is correct then no issue.
Someone else has a policy on your second car for some reason, have you only recently bought it, or perhaps someone has input the wrong reg number when buying their policy. PNC can only show one insurance policy linked to a vehicle, so yours has been overwritten by the other one.
Someone else has a policy on your second car for some reason, have you only recently bought it, or perhaps someone has input the wrong reg number when buying their policy. PNC can only show one insurance policy linked to a vehicle, so yours has been overwritten by the other one.
Matt_E_Mulsion said:
Your best bet it to keep a paper copy of the certificates in the glove boxes of the vehicles, or an electronic copy easily accessible on your smartphones.
May help but the Police can still rely on whats on the database citing that the Policy may not have been paid for or had been cancelledSteveScooby said:
Additional drivers often show that DOB on PNC, I’ve always assumed it’s a formatting error somewhere along the line, and as long as the name is correct then no issue.
Someone else has a policy on your second car for some reason, have you only recently bought it, or perhaps someone has input the wrong reg number when buying their policy. PNC can only show one insurance policy linked to a vehicle, so yours has been overwritten by the other one.
Thanks. The 101 person did say that she believed 01/01/01 was the default date of birth if none was given, although why the Police officer wasn't aware of that and implied the car could be seized due to it, I don't know. Someone else has a policy on your second car for some reason, have you only recently bought it, or perhaps someone has input the wrong reg number when buying their policy. PNC can only show one insurance policy linked to a vehicle, so yours has been overwritten by the other one.
I bought the Land Rover in August last year. It is ex-MoD, so the reg isn't always recognised by normal databases, although if you check tax / MoT, it comes up ok. I assume someone has insured the wrong reg number as the Police officer could see it registered in my wifes name ok.
I think I will leave copies of the insurance certs in both cars and make sure my wife has her Driving Licence with her from now on though.
Insurance information on PNC is obtained directly from the MID, which is maintained and operated by the MIB, using information supplied to them by insurance companies. There is no local copy of the data that PNC uses and the police are not able to amend or alter the information.
The information available via PNC can include the DOB of named drivers, but only where insurance companies have uploaded this to the MID. Many companies do not do this or appear to populate the field with "1010101", or similar, which may explain why your wife's DOB has been incorrectly taken to be 01/01/2001.
It is possible for more than one insurance policy to be linked to a vehicle on the MID. This can happen for a number of reasons, e.g. vehicle sold and previous keeper doesn't cancel policy, typo in reg links policy to incorrect vehicle. A PNC check will show the number of policies that are linked to a vehicle but it is only able to show details of the latest policy added to the MID. This may be the reason that a PNC check shows the Land Rover as insured by someone else despite you having a policy on it.
You need to go back to your insurance company and get them to confirm that in addition to them having your wife's DOB correct on their systems they are uploading this to the MID. Similarly you need them to check that there is only one policy linked to the Land Rover registration on the MID.
Cat
The information available via PNC can include the DOB of named drivers, but only where insurance companies have uploaded this to the MID. Many companies do not do this or appear to populate the field with "1010101", or similar, which may explain why your wife's DOB has been incorrectly taken to be 01/01/2001.
It is possible for more than one insurance policy to be linked to a vehicle on the MID. This can happen for a number of reasons, e.g. vehicle sold and previous keeper doesn't cancel policy, typo in reg links policy to incorrect vehicle. A PNC check will show the number of policies that are linked to a vehicle but it is only able to show details of the latest policy added to the MID. This may be the reason that a PNC check shows the Land Rover as insured by someone else despite you having a policy on it.
You need to go back to your insurance company and get them to confirm that in addition to them having your wife's DOB correct on their systems they are uploading this to the MID. Similarly you need them to check that there is only one policy linked to the Land Rover registration on the MID.
Cat
Bigends said:
Matt_E_Mulsion said:
Your best bet it to keep a paper copy of the certificates in the glove boxes of the vehicles, or an electronic copy easily accessible on your smartphones.
May help but the Police can still rely on whats on the database citing that the Policy may not have been paid for or had been cancelled
Cat said:
Insurance information on PNC is obtained directly from the MID, which is maintained and operated by the MIB, using information supplied to them by insurance companies. There is no local copy of the data that PNC uses and the police are not able to amend or alter the information.
The information available via PNC can include the DOB of named drivers, but only where insurance companies have uploaded this to the MID. Many companies do not do this or appear to populate the field with "1010101", or similar, which may explain why your wife's DOB has been incorrectly taken to be 01/01/2001.
It is possible for more than one insurance policy to be linked to a vehicle on the MID. This can happen for a number of reasons, e.g. vehicle sold and previous keeper doesn't cancel policy, typo in reg links policy to incorrect vehicle. A PNC check will show the number of policies that are linked to a vehicle but it is only able to show details of the latest policy added to the MID. This may be the reason that a PNC check shows the Land Rover as insured by someone else despite you having a policy on it.
You need to go back to your insurance company and get them to confirm that in addition to them having your wife's DOB correct on their systems they are uploading this to the MID. Similarly you need them to check that there is only one policy linked to the Land Rover registration on the MID.
Cat
Thanks Cat. Both insurance companies confirmed they had the correct information, but said they would resend it to MID to see if that helped. Good point about checking for another policy on the Land Rover too.The information available via PNC can include the DOB of named drivers, but only where insurance companies have uploaded this to the MID. Many companies do not do this or appear to populate the field with "1010101", or similar, which may explain why your wife's DOB has been incorrectly taken to be 01/01/2001.
It is possible for more than one insurance policy to be linked to a vehicle on the MID. This can happen for a number of reasons, e.g. vehicle sold and previous keeper doesn't cancel policy, typo in reg links policy to incorrect vehicle. A PNC check will show the number of policies that are linked to a vehicle but it is only able to show details of the latest policy added to the MID. This may be the reason that a PNC check shows the Land Rover as insured by someone else despite you having a policy on it.
You need to go back to your insurance company and get them to confirm that in addition to them having your wife's DOB correct on their systems they are uploading this to the MID. Similarly you need them to check that there is only one policy linked to the Land Rover registration on the MID.
Cat
Bigends said:
May help but the Police can still rely on whats on the database citing that the Policy may not have been paid for or had been cancelled
Yes, but they've got to have a reasonable doubt that you aren't actually insured. If you look respectable, act appropriately and have all of your documents to hand, I'm sure that it won't take much convincing that you are 100% legitimate.
Matt_E_Mulsion said:
Bigends said:
May help but the Police can still rely on whats on the database citing that the Policy may not have been paid for or had been cancelled
Yes, but they've got to have a reasonable doubt that you aren't actually insured. If you look respectable, act appropriately and have all of your documents to hand, I'm sure that it won't take much convincing that you are 100% legitimate.
Matt_E_Mulsion said:
Bigends said:
May help but the Police can still rely on whats on the database citing that the Policy may not have been paid for or had been cancelled
Yes, but they've got to have a reasonable doubt that you aren't actually insured. If you look respectable, act appropriately and have all of your documents to hand, I'm sure that it won't take much convincing that you are 100% legitimate.
Red9zero said:
The 101 person did say that she believed 01/01/01 was the default date of birth if none was given, although why the Police officer wasn't aware of that and implied the car could be seized due to it, I don't know.
He probably was well aware of it, but they like to take every opportunity to impress their authority upon people.Did your wife happen to notice what kind of vehicle stopped her - ie if it was a traffic car, or the modern equivalent of a panda?
Sheepshanks said:
He probably was well aware of it, but they like to take every opportunity to impress their authority upon people.
Did your wife happen to notice what kind of vehicle stopped her - ie if it was a traffic car, or the modern equivalent of a panda?
She thinks it was a Focus, so probably a local panda type car. Not overly bothered about her being stopped though. We're both happy they are out and about at that time of night checking up on people.Did your wife happen to notice what kind of vehicle stopped her - ie if it was a traffic car, or the modern equivalent of a panda?
Sheepshanks said:
Red9zero said:
The 101 person did say that she believed 01/01/01 was the default date of birth if none was given, although why the Police officer wasn't aware of that and implied the car could be seized due to it, I don't know.
He probably was well aware of it, but they like to take every opportunity to impress their authority upon people.Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff