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 above3xpendable said:
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 above3xpendable said:
Because I don't enjoy driving my car with the concern that I'll be pulled over and have to go through the hassle of showing my documents.
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.
TwigtheWonderkid 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
3xpendable said:
TwigtheWonderkid 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...
If you get pulled the police will give you a producer, you show them your cover note or certificate, end of story. Just like the old days.
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.
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...?
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...?
3xpendable said:
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.
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.
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?
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