Accidentally drove without insurance ANPR?

[Didge3]

So I am stupid and didn't really think this through, bought a new car pick it up today (23/09), told my insurance on Sunday (20/09) that I would need to swap my cover from current car to new car on 23/09. What I failed to realise is the cover ceased on current car at midnight 22/09 but I don't pick up the new car until after work. So I have driven into work (SE London) with presumably no insurance... Big whoops!

Didn't get pulled fortunately but undoubtedly passed several ANPR cameras, once I realised I quickly put temp cover on the car for the day, only £30 but that won't cover me retroactively...
What should I expect to happen now? The car is still showing as insured on askMID, does ANPR use this database? If not do we have any insight on how quickly ANPR is updated? It had only been 8 hours since the insurance ran out when I completed my journey.

Thanks

[TwigtheWonderkid]

Didge3 said:

So I am stupid and didn't really think this through, bought a new car pick it up today (23/09), told my insurance on Sunday (20/09) that I would need to swap my cover from current car to new car on 23/09. What I failed to realise is the cover ceased on current car at midnight 22/09

That should not have happened. If you asked them to swap your car over on the 23rd, and they didn't ask you to specify a time for the swap, then they were allowing you to do the swap at any time. Both cars should have been covered for the whole day. So long as you only had one at a time. The only issue would be if you tried to claim for both (I crashed the new one and then took the old one out and crashed that one too) because you said you were doing a swap.

[Didge3]

Ok I've just looked at the wording in the policy changes and it states this

"Providing you pick up your vehicle on the date shown on your new Certificate of Motor Insurance, you are covered on your new vehicle from the time you collect it, at this point all cover for the previous vehicle noted on your Certificate of Motor Insurance will cease."

Honestly don't entirely know what that means for the switch over period...

[C350Akra]

Didge3 said:

Ok I've just looked at the wording in the policy changes and it states this

"Providing you pick up your vehicle on the date shown on your new Certificate of Motor Insurance, you are covered on your new vehicle from the time you collect it, at this point all cover for the previous vehicle noted on your Certificate of Motor Insurance will cease."

Honestly don't entirely know what that means for the switch over period...

From that wording it means you are covered on your old car until you pick up your new car, but only for the stated date. The next day your cover would have lapsed for your old car.

[TwigtheWonderkid]

Didge3 said:

Ok I've just looked at the wording in the policy changes and it states this

"Providing you pick up your vehicle on the date shown on your new Certificate of Motor Insurance, you are covered on your new vehicle from the time you collect it, at this point all cover for the previous vehicle noted on your Certificate of Motor Insurance will cease."

Honestly don't entirely know what that means for the switch over period...

It means what I said. You had a cert for your old car, say 1/1/20-31/12/20. You also have (or will have soon) a cert for your new car, from 23/9/20 to 31/12/20. Providing you pick up your new car on the 23rd, cover will only cease on the old car when you pick up the new one. Only at that point is your old cert is invalid.

However, if you fail to pick up the new one on the 23rd, your old one will not be covered after the 23rd. So you cannot delay pick up until the 24th and drive your old car to pick up your new one.

(cross post as above)

[Didge3]

Ok fab, false alarm then! Thanks so much that's saved me a whole bunch of worry

[anonymous-user]

I'd also not worry about ANPR cameras being used for this sort of stuff. I can tell you its not used for MOT checks.

[Sheepshanks]

I suppose it might have changed, but ANPR checks for insurance, keeper etc, used to be notoriously out of date - often using month old data.

[martinbiz]

Killboy said:

I'd also not worry about ANPR cameras being used for this sort of stuff. I can tell you its not used for MOT checks.

??? what have MOT checks got to do with the OP's situation?

[jondude]

Until it is law the MID database is updated immediately, I don't think you need worry unless a real copper pulls you over.

I tend to change insurers every year to get 'new customer only rates' and it always takes a few days for my car to show on the database.

Last year the policy I cancelled also stayed on the database for 3 days, too.

Meaning on any given day where people are taking out new polices, as far as ANPR is concerned, they are uninsured. But knowing the above, it appears they are not - yet - being used to issue fines or letters demanding proof of insurance that day.

It will probably happen but we are not there yet.

[anonymous-user]

martinbiz said:

Killboy said:

I'd also not worry about ANPR cameras being used for this sort of stuff. I can tell you its not used for MOT checks.

??? what have MOT checks got to do with the OP's situation?

Nothing. Just saying its not used to check if cars have an MOT, so I'd be very surprised if they are that on the ball for tax or insurance, especially down to the day.

[Gareth79]

As above, I don't ever recall hearing about somebody getting a fine in the post for no insurace after being "caught" on a fixed ANPR camera.

[Boosted LS1]

Umpteen years ago I had a motorbike and the mot and tax lapsed. I think I was given a ticket. The same afternoon I did the mot and taxed it. When I went to court it was decided that on that day I had tax and mot as ran from the start of the day. The matter was dismissed iirc.

I wonder if insurance can be back tracked to the start of the day 'after' a lapse and if so what might happen if you had been ticketed?

[okenemem]

this thread is hilarious , op is worried that anpr will pick him up for driving with non insurance ,

ive never heard of this obviously on the police cars , but i have never heard the anpr cameras on the streets to call out police to pull you for no insurance

london police have no time for that