Insurers messed up, what would of happend?
Discussion
Just a quick question, im at home from uni for christmas and still shopping for my new car, so i decided to add myself to my mums car for 2 weeks, quite cheap and done it a couple of times before, phoned up, gave card details ect all went through fine and told i was insured from then, so all good i thought. So a couple of days later i took a trip to london with a lady-friend had a good day ect, but then my mum phones. The cover letter came through the post and guess whos name wasent on the policy, yep i wasent on it. So there i was, miles away from home, car in a multi-story carpark and turns out i wasent insured. Phoned the insurer and demanded to know why, they said they would check their phone recording of the conversation, but the person who does this wouldnt be available today. Stuck in London, flippin' expensive car park, no way of getting me and my friend home, insurers arguing that i never asked to be on the policy and wasent their problem. So i demanded it to be looked at now. Argued on the phone for ages, and finally they got the person in to hear the recording. Turns out i was right, i did ask to, i gave all my details, gave my card details, specifically when he said would you like to take out the policy now, i said YES. So was exactly the same as any other policy ive taken out over the phone, turns out the little twonk at their call center "messed up" and didnt put it through properly. So they insured me from then and i finally started my way home. ANYWAY, my big question is, if i was stopped by the police while i was driving earlier that day, or the day before, and had the car impounded, what could i of done? Would the insurance company had to of paid all the costs? Where would i of stood legaly for driving without insurance? Makes me wonder how often this goes on.
Cheers, Dan
(sorry for the essay)
Cheers, Dan
(sorry for the essay)
You were sort of insured, i.e. when the question of your insurance arose the insurance company went back to the telephone recording and honoured that. Same thing would have happened if you were in an accident or stopped by the police I'd assume, though if the car was covered on an existing policy it is unlikely that the car would have been seized.
dan11219 said:
Just a quick question, im at home from uni for christmas and still shopping for my new car, so i decided to add myself to my mums car for 2 weeks, quite cheap and done it a couple of times before, phoned up, gave card details ect all went through fine and told i was insured from then, so all good i thought. So a couple of days later i took a trip to london with a lady-friend had a good day ect, but then my mum phones. The cover letter came through the post and guess whos name wasent on the policy, yep i wasent on it. So there i was, miles away from home, car in a multi-story carpark and turns out i wasent insured. Phoned the insurer and demanded to know why, they said they would check their phone recording of the conversation, but the person who does this wouldnt be available today. Stuck in London, flippin' expensive car park, no way of getting me and my friend home, insurers arguing that i never asked to be on the policy and wasent their problem. So i demanded it to be looked at now. Argued on the phone for ages, and finally they got the person in to hear the recording. Turns out i was right, i did ask to, i gave all my details, gave my card details, specifically when he said would you like to take out the policy now, i said YES. So was exactly the same as any other policy ive taken out over the phone, turns out the little twonk at their call center "messed up" and didnt put it through properly. So they insured me from then and i finally started my way home. ANYWAY, my big question is, if i was stopped by the police while i was driving earlier that day, or the day before, and had the car impounded, what could i of done? Would the insurance company had to of paid all the costs? Where would i of stood legaly for driving without insurance? Makes me wonder how often this goes on.
Cheers, Dan
(sorry for the essay)
My Eyes!Cheers, Dan
(sorry for the essay)
Insurance company would of {sic} written to the police explaining the mistake, confirming that they would have indemnified you in the event of an accident, cover was in force, yadda yadda yadda, police drop the charge. They may or may not have stumped up for any other costs incurred (additional car park costs, travel, inconvenience, etc.).
I had the same (sort of) situation.
I changed my car, the insurance changed the details of the car, apart from the registration number!
Talked to a police officer at my work, and he said as long as it's the insurance company's fault, I'm okay.
you could quite easily take the insurance co to small claims and recover costs.
I changed my car, the insurance changed the details of the car, apart from the registration number!
Talked to a police officer at my work, and he said as long as it's the insurance company's fault, I'm okay.
you could quite easily take the insurance co to small claims and recover costs.
I had this exact problem recently. Was it admiral by any chance?
Wrote off my 130i about a month ago but found another one recently. A couple of days before collection I rang up and told them that I wanted insurance on the new car for the remainder of the policy and insurance lady said it was all sorted and I would be ready to go on collection day.
Collection day comes around and me and my dad are pootling up the M25 when he asks me if I've received the new documentation- checked my email and I hadn't had anything through. Ring the insurance company to ask why and turns out they hadn't even bloody insured me so if i'd turned up and drove the car home I wouldn't be insured. They had the cheek to say that all I had done was got a quotation when we CONFIRMED that we wanted the cover to start on collection day. I was not impressed and thank god I checked.
Wrote off my 130i about a month ago but found another one recently. A couple of days before collection I rang up and told them that I wanted insurance on the new car for the remainder of the policy and insurance lady said it was all sorted and I would be ready to go on collection day.
Collection day comes around and me and my dad are pootling up the M25 when he asks me if I've received the new documentation- checked my email and I hadn't had anything through. Ring the insurance company to ask why and turns out they hadn't even bloody insured me so if i'd turned up and drove the car home I wouldn't be insured. They had the cheek to say that all I had done was got a quotation when we CONFIRMED that we wanted the cover to start on collection day. I was not impressed and thank god I checked.
Nah not Admiral, but a well known supermarket that uses a blue stripe across some of their packaging. Personally i think their sh*t and their prices are stupid compared to others, but its not my decision who my mum insures her car with, despite me showing her cheaper quotes with better cover..
A well known insurance company set up a new policy for my daughter using last year's dates - so when the Certificate arrived it had already expired!
Strictly speaking, you're not insured until you've got the Certificate in your hand - I guess it's to avoid situations like those described.
Strictly speaking, you're not insured until you've got the Certificate in your hand - I guess it's to avoid situations like those described.
More Than did something similar to me last year and turned out I'd been driving around with no insurance for 10 days. When I found out I gave them absolute hell on the phone, I was seriously pissed off. When I pointed out the bleedin' obvious, i.e accident and not insured, they reassured that I would have been covered as it wasn't my fault I had no insurance. Whilst I was reassured at the time I don't believe for one second it would have been that simple.
Purely anecdotal but a police officer and I had a conversation about this very subject. He said if you aren't insured for any reason it's not their (the police's) problem; it's yours. He was saying you'd be done and would have to argue it out in court.
He seemed fairly sure but I have no way of knowing.
He seemed fairly sure but I have no way of knowing.
inabox said:
Purely anecdotal but a police officer and I had a conversation about this very subject. He said if you aren't insured for any reason it's not their (the police's) problem; it's yours. He was saying you'd be done and would have to argue it out in court.
He seemed fairly sure but I have no way of knowing.
There's a thread on here from someone who was without insurance due to a clerical error by his insurance. It's an absolute offence so he was convicted but given an absolute discharge which means the conviction can't be used against him.He seemed fairly sure but I have no way of knowing.
Found it - poster name mel: http://www.pistonheads.com/gassing/topic.asp?h=0&a...
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