Fined £270 Even Though I Had Car Insurance - Fighting Since June 2009!

Paul_Varjak

https://www.communitylegaladvice.org.uk/gateway/police.jsp

I used the Community Legal Advice Service recently over a Council tax issue and they were wonderful!

If they cannot help you directly, they will, hopefully, advise who can! failing that, address a letter to the Chief Constable and head it 'Formal Complaint' or look on your Police force website for more information on how to lodge a complaint.

I can tell you that the Police Officers who work in the Professional Standards branch of your local Police Force will be very sensitive to complaints, even if it is not against an individual officer and would point you in the right direction.

If all else fails, make a complaint against a particular Police Officer, by saying u want to speak to the Duty Inspector - that should gee them up a bit!!!

Marv02

Paul_Varjak wrote: »

www.communitylegaladvice.org.uk/gateway/police.jsp

I used the Community Legal Advice Service recently over a Council tax issue and they were wonderful!

If they cannot help you directly, they will, hopefully, advise who can! failing that, address a letter to the Chief Constable and head it 'Formal Complaint' or look on your Police force website for more information on how to lodge a complaint.

I can tell you that the Police Officers who work in the Professional Standards branch of your local Police Force will be very sensitive to complaints, even if it is not against an individual officer and would point you in the right direction.

If all else fails, make a complaint against a particular Police Officer, by saying u want to speak to the Duty Inspector - that should gee them up a bit!!!

Hi, I tried calling them but they say they only deal with what is on their website which is mainly on debt, tax or abuse from a police officer which in this case does not apply to me.

Any other ideas?

Marv02

What I don't understand is how a few people here have bloated about the MiD being 95% acurate. If you put that into real time... 95% of 35 million cars = 1.750.000 (million) that are not on the database.

Marv02

O, I also tried the IPCC but again, they also mentioned that they only deal with abuse from an officer, or if an officer broke the law etc etc. Which again, in this case, does not apply to my situation.

raskazz

Marv02 wrote: »

What I don't understand is how a few people here have bloated about the MiD being 95% acurate. If you put that into real time... 95% of 35 million cars = 1.750.000 (million) that are not on the database.

It's not strictly correct to describe the MID as being "95% accurate".

There are actually two subsets of data sent to the MID: MID1 and MID2.

MID1 data is data that relates to single vehicle policies. For these purposes insurers must supply 95% of the required data to the MID within 7 days - in other words, they can supply up to 5% of the data late.

MID2 data is data that relates to multi-vehicle policies. For these purposes insurers must supply 95% of the required data to the MID within 14 days.

The 95% figure is assessed on a 3 month rolling average basis and insurers who fail to meet the target can be fined or even, ultimately, cease to be an authorised insurer for the purposes of the Road Traffic Act.

7 days might seem slow in this day and age BUT there are a lot of insurers who offer specialist classes of motor insurance which cannot be transacted electronically between the broker and the insurer. They have to have time to receive paperwork from the broker and to process it.

Marv02

raskazz wrote: »

It's not strictly correct to describe the MID as being "95% accurate".

There are actually two subsets of data sent to the MID: MID1 and MID2.

MID1 data is data that relates to single vehicle policies. For these purposes insurers must supply 95% of the required data to the MID within 7 days - in other words, they can supply up to 5% of the data late.

MID2 data is data that relates to multi-vehicle policies. For these purposes insurers must supply 95% of the required data to the MID within 14 days.

The 95% figure is assessed on a 3 month rolling average basis and insurers who fail to meet the target can be fined or even, ultimately, cease to be an authorised insurer for the purposes of the Road Traffic Act.

7 days might seem slow in this day and age BUT there are a lot of insurers who offer specialist classes of motor insurance which cannot be transacted electronically between the broker and the insurer. They have to have time to receive paperwork from the broker and to process it.

Hi, I didn't buy it from a broker... I bought it from Church Hill directly.

Again, all I need is a cover letter to start me off, I'm not very good with these things.

Marv02

What could I include in the letter for example?

bigbulldog

Its probably been suggested to you,but here goes anyway.....Can you not get Churchill to write you a letter (send to the police) confirming that you did have insurance and the date it started

cyclonebri1

Nothing to offer regarding getting your money back, but I can't see why it got to this stage, and I not blaming you.

Something similar happened to me a couple of years back. I was driving past a patrol car in the 3rd lane of the M1. He must have had the ANPR switched on as 10 seconds later the blue lights came on and he pulled me over. I hadn't a clue why, I was totally legal and had passed him at reasonable speed along with all the other traffic.

"Your car isn't insured", was what I was faced with. Well it was and I had been with the same company for years. What I'm getting at is that it took 1 phone call from that copper to the insurer, (they have them all stored on the system), to confirm that I was insured. I got an apology and was told "it sometimes happens".

I can't understand why they didn't do the same in your case if you were adamant that insurance was in place??

forgotmyname

Exactly, Saying the company was closed sort of falls over they had a claims department which was open 24/7.

They would have been able to confirm insurance.

Seems the OP just wants someone to write them a letter. Been going on for a year now, You think they would
have written one by now.

Goto the police station ask to see someone high up or make an appointment, SORTED.
Im sure all it will take is a phone call to the storage yard.

Probably too late now, You should have done it last year.