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  • FIRST POST
    • textbook
    • By textbook 22nd Nov 17, 12:57 AM
    • 104Posts
    • 11Thanks
    textbook
    missed car insurance deadline, what to do?
    • #1
    • 22nd Nov 17, 12:57 AM
    missed car insurance deadline, what to do? 22nd Nov 17 at 12:57 AM
    My car insurance deadline was midnight yesterday- 45mins after I realised. What should I do- It's Aviva, what shall I do?


    Should I just call another insurance company, will they know?


    What to do?




    I got back at 12 15, would an ANPR have logged me?
Page 1
    • Hasbeen
    • By Hasbeen 22nd Nov 17, 1:39 AM
    • 911 Posts
    • 663 Thanks
    Hasbeen
    • #2
    • 22nd Nov 17, 1:39 AM
    • #2
    • 22nd Nov 17, 1:39 AM
    Put details in comparison site.

    Look at any cashback.

    Buy insurance.

    surprised you were not auto renewed?
    • textbook
    • By textbook 22nd Nov 17, 7:50 AM
    • 104 Posts
    • 11 Thanks
    textbook
    • #3
    • 22nd Nov 17, 7:50 AM
    • #3
    • 22nd Nov 17, 7:50 AM
    not call mine and pretend I didn't know it had expired?
    • textbook
    • By textbook 22nd Nov 17, 7:52 AM
    • 104 Posts
    • 11 Thanks
    textbook
    • #4
    • 22nd Nov 17, 7:52 AM
    • #4
    • 22nd Nov 17, 7:52 AM
    call anonymously and say missed deadline by a few hours?
    • Autumnella
    • By Autumnella 22nd Nov 17, 8:13 AM
    • 439 Posts
    • 1,461 Thanks
    Autumnella
    • #5
    • 22nd Nov 17, 8:13 AM
    • #5
    • 22nd Nov 17, 8:13 AM
    If you would like to stay with the current company don't even mention the expiry, just call them and say "I would like to renew my insurance."
    • textbook
    • By textbook 22nd Nov 17, 8:40 AM
    • 104 Posts
    • 11 Thanks
    textbook
    • #6
    • 22nd Nov 17, 8:40 AM
    • #6
    • 22nd Nov 17, 8:40 AM
    ok. There's no problem with the insurance company, however I checked my petrol receipt and got it at 23 58. I would have driven down the shopping street road just after that And think there's an ANPR camera where I drove but not sure how to check for sure. Would have driven I estimate between 12.03pm-12.08pm. Probably drove past it. The insurance company just said this won't affect anything with them until if I get a letter from the police. Then I must let them know.


    As this is because I forgot to renew and drove past 8 mins after it expired then renewed at 8 30 next morning(the car parked outside flat all night) would there be a way of contacting the police if I get one of these letters and asking for sympathy? I think I would get 6 points but not sure, but it's not like I was driving deliberately for 6 months, is it?
    Last edited by textbook; 22-11-2017 at 8:47 AM.
    • Aretnap
    • By Aretnap 22nd Nov 17, 9:09 AM
    • 2,843 Posts
    • 2,339 Thanks
    Aretnap
    • #7
    • 22nd Nov 17, 9:09 AM
    • #7
    • 22nd Nov 17, 9:09 AM
    Driving without insurance is not routinely enforced by unmanned ANPR cameras. It would be difficult to do so as the fact that the vehicle doesn't show as uninsured isn't good evidence that it is being used without insurance - the driver could be covered by all sorts of not specifically linked to the car, eg a trade policy, or the driving other cars section of his own policy. ANPR is generally used in manned police cars, so that if a vehicle shows up as uninsured the officer can stop it and make further inquiries. As you were not stopped at the time it is very unlikely that you will hear anything more about this ever again. Worry about mitigation if and when you actually do hear something.
    • camelot1971
    • By camelot1971 22nd Nov 17, 12:14 PM
    • 553 Posts
    • 866 Thanks
    camelot1971
    • #8
    • 22nd Nov 17, 12:14 PM
    • #8
    • 22nd Nov 17, 12:14 PM
    You can't forget to auto renew. You must have declined the renewal because insurance companies are obligated to auto renew for this very reason.
    • BoGoF
    • By BoGoF 22nd Nov 17, 12:17 PM
    • 2,731 Posts
    • 1,965 Thanks
    BoGoF
    • #9
    • 22nd Nov 17, 12:17 PM
    • #9
    • 22nd Nov 17, 12:17 PM
    You can't forget to auto renew. You must have declined the renewal because insurance companies are obligated to auto renew for this very reason.
    Originally posted by camelot1971

    Not so, not every insurance company is auto-renew
    • camelot1971
    • By camelot1971 23rd Nov 17, 11:53 AM
    • 553 Posts
    • 866 Thanks
    camelot1971
    Not so, not every insurance company is auto-renew
    Originally posted by BoGoF
    For car insurance?
    • Quentin
    • By Quentin 23rd Nov 17, 12:02 PM
    • 33,600 Posts
    • 17,487 Thanks
    Quentin
    For car insurance?
    Originally posted by camelot1971
    Not compulsory for any insurance!
    • agrinnall
    • By agrinnall 23rd Nov 17, 12:17 PM
    • 18,769 Posts
    • 14,479 Thanks
    agrinnall
    Not compulsory for any insurance!
    Originally posted by Quentin
    However, I'd be surprised if the OP's insurance with Aviva wasn't under auto-renewal, mine certainly was and I had to call them to prevent it going through having found cheaper elsewhere.
    • Quentin
    • By Quentin 23rd Nov 17, 12:25 PM
    • 33,600 Posts
    • 17,487 Thanks
    Quentin
    However, I'd be surprised if the OP's insurance with Aviva wasn't under auto-renewal, mine certainly was and I had to call them to prevent it going through having found cheaper elsewhere.
    Originally posted by agrinnall
    When you take out motor insurance with Aviva they offer you autorenewal. (You aren't forced to have it if you don't want it)


    (My post was in answer to camelot1971 who has incorrectly advised it's an obligation for motor insurers to autorenew a policy)
    Last edited by Quentin; 23-11-2017 at 12:27 PM.
    • kinger101
    • By kinger101 6th Dec 17, 10:35 PM
    • 3,956 Posts
    • 5,416 Thanks
    kinger101
    I wouldn't worry about ANPR. I inadvertently drove without tax for three months (forgot about the renewal, and didn't get reminder as changed address), so effectively drove without valid insurance during that period.
    • Quentin
    • By Quentin 6th Dec 17, 11:14 PM
    • 33,600 Posts
    • 17,487 Thanks
    Quentin
    I wouldn't worry about ANPR. I inadvertently drove without tax for three months (forgot about the renewal, and didn't get reminder as changed address), so effectively drove without valid insurance during that period.
    Originally posted by kinger101
    No.

    Your insurance is not invalidated by your car not being taxed
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