Car Insurance problems!!!
Discussion
Got pulled over this morning due to no insurance, my other half and I wouldn't dream of this as we both commute for work. I really couldn't understand why this has happened and the end result was my car being seized.
The insurance was my girlfriend's and I am a named driver, the insurance company are saying that there had been missed payments. Yet we had received no notice of this. Girlfriend is investigating this, while I contemplate what to do. Any advice?
The insurance was my girlfriend's and I am a named driver, the insurance company are saying that there had been missed payments. Yet we had received no notice of this. Girlfriend is investigating this, while I contemplate what to do. Any advice?
Could the insurance be registered at a different address and you never received paperwork?
Unfortunately lost or missed letters etc are no excuse and will not get you off the hook. Did you not notice the payments stop coming out the bank? It's pretty black & white. There was either insurance in place at the time or not. If you were driving at the time you will most probably receive 6 points + £300 fine for the no insurance. If however it turns out there was insurance in place, you will not be prosecuted and police will cover the recovery costs.
When you take out a new policy you need to declare a pending IN10 too.
Unfortunately lost or missed letters etc are no excuse and will not get you off the hook. Did you not notice the payments stop coming out the bank? It's pretty black & white. There was either insurance in place at the time or not. If you were driving at the time you will most probably receive 6 points + £300 fine for the no insurance. If however it turns out there was insurance in place, you will not be prosecuted and police will cover the recovery costs.
When you take out a new policy you need to declare a pending IN10 too.
Edited by HantsRat on Tuesday 15th September 10:14
mike_bngs said:
Got pulled over this morning due to no insurance, my other half and I wouldn't dream of this as we both commute for work. I really couldn't understand why this has happened and the end result was my car being seized.
The insurance was my girlfriend's and I am a named driver, the insurance company are saying that there had been missed payments. Yet we had received no notice of this. Girlfriend is investigating this, while I contemplate what to do. Any advice?
Wot da rat sed.The insurance was my girlfriend's and I am a named driver, the insurance company are saying that there had been missed payments. Yet we had received no notice of this. Girlfriend is investigating this, while I contemplate what to do. Any advice?
Bad news this, but if you're not insured you're not insured and that's that.
Is your g/f reliable generally?
Motor insurance is just one thing I would never pay by instalments. And if I had to, I'd be checking myself every month to make sure they payment had come out.
I pay my house insurance by instalments as it's quite high and oddly, they charge no extra for the privilege, but I physically check myself every month that the money has come out of my account.
I pay my house insurance by instalments as it's quite high and oddly, they charge no extra for the privilege, but I physically check myself every month that the money has come out of my account.
Spoke to the 'insurers' myself and they are swearing blind that notice had been given. So it looks as if I'm fooked. Gonna take it up with bank as you normally hear if a direct debit hasn't been paid.
So I guess it is my fault, but I wouldn't touch the 'insurance' company again with a barge pole. The attitude I encountered was less than helpful.
The next problem is getting myself out off the hole I'm in, recovering my car and not paying the earth for more insurance. Will a specialist broker possibly be cheaper than one off of compare the market or whatever?
So I guess it is my fault, but I wouldn't touch the 'insurance' company again with a barge pole. The attitude I encountered was less than helpful.
The next problem is getting myself out off the hole I'm in, recovering my car and not paying the earth for more insurance. Will a specialist broker possibly be cheaper than one off of compare the market or whatever?
mike_bngs said:
Spoke to the 'insurers' myself and they are swearing blind that notice had been given. So it looks as if I'm fooked. Gonna take it up with bank as you normally hear if a direct debit hasn't been paid.
So I guess it is my fault, but I wouldn't touch the 'insurance' company again with a barge pole. The attitude I encountered was less than helpful.
The next problem is getting myself out off the hole I'm in, recovering my car and not paying the earth for more insurance. Will a specialist broker possibly be cheaper than one off of compare the market or whatever?
Seems harsh to criticise the insurer like that when there is no evidence they have done anything wrong?So I guess it is my fault, but I wouldn't touch the 'insurance' company again with a barge pole. The attitude I encountered was less than helpful.
The next problem is getting myself out off the hole I'm in, recovering my car and not paying the earth for more insurance. Will a specialist broker possibly be cheaper than one off of compare the market or whatever?
Anyway, could have been worse, you might have found out after having an accident.
The 'insurer' didn't do a damn thing to let us know there was a problem, I totally agree about the accident issue. I'm sure some will disagree, but the money insurers make from us I think should mean a bit more service than they offer. I am very sure that if insurance was only an option many wouldn't bother.
mike_bngs said:
The 'insurer' didn't do a damn thing to let us know there was a problem
They say they did, and you/she didn't notice the payments not leaving your/her account.mike_bngs said:
I am very sure that if insurance was only an option many wouldn't bother.
Which is EXACTLY why it's compulsory, and EXACTLY why enforcement of it is hot.mike_bngs said:
The 'insurer' didn't do a damn thing to let us know there was a problem, I totally agree about the accident issue. I'm sure some will disagree, but the money insurers make from us I think should mean a bit more service than they offer. I am very sure that if insurance was only an option many wouldn't bother.
I'm afraid that we're required to wipe our own arses.Bloody insurers charging a fortune for insurance, even when you're not paying it and then not doing a damn thing to help you after you've not paid them the money you should've done. They should be bending over backwards to help you get out of the situation you've got myself into.
b
ds, the lot of 'em.
On a serious note, if you're over 25 tell me who your insurance is with on your car and I'll tell you if you were covered under the DOC option as mentioned earlier. That'll quite possibly get you out of a mess.
b
ds, the lot of 'em. On a serious note, if you're over 25 tell me who your insurance is with on your car and I'll tell you if you were covered under the DOC option as mentioned earlier. That'll quite possibly get you out of a mess.
LoonR1 said:
Bloody insurers charging a fortune for insurance, even when you're not paying it and then not doing a damn thing to help you after you've not paid them the money you should've done. They should be bending over backwards to help you get out of the situation you've got myself into.
bds, the lot of 'em.
On a serious note, if you're over 25 tell me who your insurance is with on your car and I'll tell you if you were covered under the DOC option as mentioned earlier. That'll quite possibly get you out of a mess.
I very much doubt he will have DOC cover as 99% of DOC policies require the vehicle to have it's own policy in place. b
ds, the lot of 'em. On a serious note, if you're over 25 tell me who your insurance is with on your car and I'll tell you if you were covered under the DOC option as mentioned earlier. That'll quite possibly get you out of a mess.
HantsRat said:
LoonR1 said:
Bloody insurers charging a fortune for insurance, even when you're not paying it and then not doing a damn thing to help you after you've not paid them the money you should've done. They should be bending over backwards to help you get out of the situation you've got myself into.
bds, the lot of 'em.
On a serious note, if you're over 25 tell me who your insurance is with on your car and I'll tell you if you were covered under the DOC option as mentioned earlier. That'll quite possibly get you out of a mess.
I very much doubt he will have DOC cover as 99% of DOC policies require the vehicle to have it's own policy in place. b
ds, the lot of 'em. On a serious note, if you're over 25 tell me who your insurance is with on your car and I'll tell you if you were covered under the DOC option as mentioned earlier. That'll quite possibly get you out of a mess.
Hint: you won't find it.
speedking31 said:
Do you have your own insurance with "Drive other car" cover?
It is a defence to 'believe that the relevant insurance was in place'. You just have to persuade the magistrates of that. Then of course your gf may get into trouble.
Isn't that one part of three where all must be true and on a company vehicle for it to stand as a successful defence. It is a defence to 'believe that the relevant insurance was in place'. You just have to persuade the magistrates of that. Then of course your gf may get into trouble.
LoonR1 said:
Do they? Really? Go on then show me the policy booklets for Direct Line, Churchill and Privilege to name three fairly big players and show me that condition in their DOC.
Hint: you won't find it.
Ok 99% may have been an exaggeration. But the vast majority of companies require a policy to be in place on the vehicle and the third party cover is ONLY for emergencies. Those 3 you mentioned all have the same underwriter and I am aware of their terms. Hint: you won't find it.
Edited by HantsRat on Tuesday 15th September 15:04
mike_bngs said:
Got pulled over this morning due to no insurance, my other half and I wouldn't dream of this as we both commute for work. I really couldn't understand why this has happened and the end result was my car being seized.
The insurance was my girlfriend's and I am a named driver, the insurance company are saying that there had been missed payments. Yet we had received no notice of this. Girlfriend is investigating this, while I contemplate what to do. Any advice?
Fronting?The insurance was my girlfriend's and I am a named driver, the insurance company are saying that there had been missed payments. Yet we had received no notice of this. Girlfriend is investigating this, while I contemplate what to do. Any advice?
HantsRat said:
LoonR1 said:
Do they? Really? Go on then show me the policy booklets for Direct Line, Churchill and Privilege to name three fairly big players and show me that condition in their DOC.
Hint: you won't find it.
Ok 99% may have been an exaggeration. But the vast majority of companies require a policy to be in place on the vehicle and the third party cover is ONLY for emergencies. Those 3 you mentioned are all the same underwriter and I am aware of their terms. Hint: you won't find it.
2. It may have been intended for emergencies only, but as its not stated then anyone is covered to do it as often as they like.
3. I know they're the same underwriter but if you're aware of them, then why make a daft statement like you did?
Probably best if you steer clear of insurance stuff as you're going to make a fool of yourself.
LoonR1 said:
1, they account for c17% of the market and I can find more so 99% was a ridiculous exaggeration
2. It may have been intended for emergencies only, but as its not stated then anyone is covered to do it as often as they like.
3. I know they're the same underwriter but if you're aware of them, then why make a daft statement like you did?
Probably best if you steer clear of insurance stuff as you're going to make a fool of yourself.
I am correct is saying that the vast majority of insurance company's only offer DOC if the car has it's own policy. I stand by that. I probably seize on average about 3 cars a week where people are using DOC incorrectly. The vast majority of them are where their policy states insurance needs to be in place on the vehicle they are using. 2. It may have been intended for emergencies only, but as its not stated then anyone is covered to do it as often as they like.
3. I know they're the same underwriter but if you're aware of them, then why make a daft statement like you did?
Probably best if you steer clear of insurance stuff as you're going to make a fool of yourself.
Directline group state that the cover is for emergencies only in their terms. I have seized a couple before using DOC with Direct Line. The situation was clearly not an emergency and a quick call to them via MIB confirmed they would not cover them in the circumstances at the time of the stop.
Edited by HantsRat on Tuesday 15th September 15:17
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