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Why have insurance brokers/undewriters & the mid & police
tommy45
Posts: 60 Forumite
Why have insurance brokers/undewriters & the mid & police been allowed to operate in this way ?
Hi, i recently insured my car, through Hastings direct (brokers) policy is underwritten by premier insurance , policy started today at 00:01am but my car is not on the mid so i rang hastings direct,to ask why, i was told that it can take up to 7 Days to appear on the mid,which i find unexceptable, as although i am insured i'm unable to use the car on the road because the police ANPR will flag up my car as uninsured,the law says that if i am unable to prove to the officer that i am insured ie produce a valid cert of insurance then they can sieze my car and i would also end up with the release fee, and there is nothing we apparently can do about this, the law needs changing so that
1,Regulation so that all brokers/insurance companies must add all new motor policies onto the mid within a 24 hr timescale
2, If ANPR flags up a car as uninsured, the offiicer has to first check with the insurer for valid insurance before siezing your vehicle, as at present they don't, if no docs on you they can just seize it,
what really anoyed me is that i needed the car this week to drive 160miles for a job interveiw, but even though i have paid the premuim in full and the vehicle is insured i dare not take it on the roads because of the plods stupid reliance on this bloody data base
Hi, i recently insured my car, through Hastings direct (brokers) policy is underwritten by premier insurance , policy started today at 00:01am but my car is not on the mid so i rang hastings direct,to ask why, i was told that it can take up to 7 Days to appear on the mid,which i find unexceptable, as although i am insured i'm unable to use the car on the road because the police ANPR will flag up my car as uninsured,the law says that if i am unable to prove to the officer that i am insured ie produce a valid cert of insurance then they can sieze my car and i would also end up with the release fee, and there is nothing we apparently can do about this, the law needs changing so that
1,Regulation so that all brokers/insurance companies must add all new motor policies onto the mid within a 24 hr timescale
2, If ANPR flags up a car as uninsured, the offiicer has to first check with the insurer for valid insurance before siezing your vehicle, as at present they don't, if no docs on you they can just seize it,
what really anoyed me is that i needed the car this week to drive 160miles for a job interveiw, but even though i have paid the premuim in full and the vehicle is insured i dare not take it on the roads because of the plods stupid reliance on this bloody data base
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Why have insurance brokers/undewriters & the mid & police been allowed to operate in this way ?
Hi, i recently insured my car, through Hastings direct (brokers) policy is underwritten by premier insurance , policy started today at 00:01am but my car is not on the mid so i rang hastings direct,to ask why, i was told that it can take up to 7 Days to appear on the mid,which i find unexceptable, as although i am insured i'm unable to use the car on the road because the police ANPR will flag up my car as uninsured,the law says that if i am unable to prove to the officer that i am insured ie produce a valid cert of insurance then they can sieze my car and i would also end up with the release fee, and there is nothing we apparently can do about this, the law needs changing so that
1,Regulation so that all brokers/insurance companies must add all new motor policies onto the mid within a 24 hr timescale
2, If ANPR flags up a car as uninsured, the offiicer has to first check with the insurer for valid insurance before siezing your vehicle, as at present they don't, if no docs on you they can just seize it,
what really anoyed me is that i needed the car this week to drive 160miles for a job interveiw, but even though i have paid the premuim in full and the vehicle is insured i dare not take it on the roads because of the plods stupid reliance on this bloody data base
For me the shoe was on the other foot... My insurance had been cancelled for failure to provide no claims history in good time. The letter notifying me of this was sent 2 weeks after i was offically 'Off' cover. In the mean time i was pulled by the police ( driving late at night, random check) and nothing was said about the insurance, it must have come back saying i was insured!
It goes to show how long it can take to update the database, had i known i was off cover i would have obviously sorted it out.... I wonder what would have happened if they pulled me and it had come back as no insurance!0 -
I done some digging, the D.O.T tell me that insurers can now legally send a emergency insurance cert electronically (e-mail) that presumably you can print out and carry with you, hastings how ever say that they don't do this because of privacy rules, but say that they could send one via fax for a fee of £35.00,jokers!!! and as far as updating the MID goes it's the responsibilty of the people at mid to collect the details from them and update the data base, but the mid say it's down to your broker/insurer to provide the details to them, some do this every day others do it every 7 days, hence why they have upto 7 days
As for when your car is flagged on the ANPR system as not insured, this is not proof of no insurance, so should not be solely relied upon by police, they can ring the insurer (within office hours) and quote the policy number if you have it,(which i now do have) and they still are allowed to issue the HORT1 7 day produce documents within 7 days, so they don't need to seize vehicles but they do, and that suggests abuse of power to me when this b/s prevents/deters inocent drivers using their insured vehicle on public roads, somthing that they have paid to do!!!!0 -
I done some digging, the D.O.T tell me that insurers can now legally send a emergency insurance cert electronically (e-mail) that presumably you can print out and carry with you, hastings how ever say that they don't do this because of privacy rules, but say that they could send one via fax for a fee of £35.00,jokers!!! and as far as updating the MID goes it's the responsibilty of the people at mid to collect the details from them and update the data base, but the mid say it's down to your broker/insurer to provide the details to them, some do this every day others do it every 7 days, hence why they have upto 7 days
As for when your car is flagged on the ANPR system as not insured, this is not proof of no insurance, so should not be solely relied upon by police, they can ring the insurer (within office hours) and quote the policy number if you have it,(which i now do have) and they still are allowed to issue the HORT1 7 day produce documents within 7 days, so they don't need to seize vehicles but they do, and that suggests abuse of power to me when this b/s prevents/deters inocent drivers using their insured vehicle on public roads, somthing that they have paid to do!!!!
I would suspect that the delay could be at the MID end. The insurer would probably go through the process of updating the MID immediately (no reason for them not to).
It's not really the insurer's fault if it takes 7 days for the information to update.
I do agree that £35 is ridiculous for them to fax through a certificate. Have they not posted a hard copy to you?0 -
I would suspect that the delay could be at the MID end. The insurer would probably go through the process of updating the MID immediately (no reason for them not to).
It's not really the insurer's fault if it takes 7 days for the information to update.
I do agree that £35 is ridiculous for them to fax through a certificate. Have they not posted a hard copy to you?
The delay is not an the MID's end, their system is pretty sophisticated and updates automatically from the information supplied to them by the Insurers. As stated before some Insurers update every day, some every few days and some every seven days.
The MID would prefer if all insurers updated it every day.0 -
The delay is not an the MID's end, their system is pretty sophisticated and updates automatically from the information supplied to them by the Insurers. As stated before some Insurers update every day, some every few days and some every seven days.
The MID would prefer if all insurers updated it every day.
Thanks for clarifying Dacouch. I didnt realise that.
DM0 -
IMHO i think that insurance companies should be held liable for any cost's incurred by the policy holder in the event of the insured car being seized/impounded including travel costs of continuing their lawful journey and any costs such as release fees storage and travel to the place where the car is being stored, if that where to become law i bet the insurance details would be supplied within hours not days,
I see no just reason for my car not being on the MID now i payed the fee i'm insured so i'm told, but that's no good to pc pld is it? especially if outside there buisness hours, the system as it is
is not in the consumers favour0 -
The OP should get a life.
In future he maybe shouldn't leave his insurance until last minute and problem solved; also to add police forces do normally in these cases check the insurer; but cannot always do this.
Expecting immediate updating of MID is not feasible and would add a fortune to premiums.
Oh & i never left my insurance till the last minute, as i haven't had the need to use the car for some time, because i have a good life,thank you, maybe it be you who needs to get a life,
i figured that there is no point in it being insured, as not parked on a public road and by the time the compulsory excess is taken into account not worth while on the theft/fire side of things either i do not expect immediate updating to mid but within 24hrs certainly my previous insurers have always done this why can't these clowns? & as for this adding a fortune to premiums how can that happen they already do fleece us motorists
if they can't do this then the police have to change the way they deal with people then, such as using the old system more produce docs within 7 days0 -
although i am insured i'm unable to use the car on the road because the police ANPR will flag up my car as uninsured
No, that is now how the system operates. The lack of a match on the Motor Insurance Database does not mean that a car is uninsured - it just means that further investigation may be be necessary to verify that the vehicle is correctly insured.the law says that if i am unable to prove to the officer that i am insured ie produce a valid cert of insurance then they can sieze my car and i would also end up with the release fee, and there is nothing we apparently can do about this, the law needs changing so that
1,Regulation so that all brokers/insurance companies must add all new motor policies onto the mid within a 24 hr timescale
That will never happen any time soon. There are reasons for this. Specialist classes of motor insurance are frequently handled through manual paperwork rather than electronically. In such cases the broker has to send the insurer the covernote, the insurer then has to process the covernote onto their systems, then their systems have to send the transmission to the Motor Insurance Database. This cannot all take place within 24 hours. Even classes which are handled electronically between broker and insurer need time for the electonic transmission to be sent to the insurer (typically on an overnight batch), then time for the insurer to process the message. It can take up to 48 hours for the insurer to receive the electronic message from the broker so clearly 24 hours is an unrealistic deadline.2, If ANPR flags up a car as uninsured, the offiicer has to first check with the insurer for valid insurance before siezing your vehicle, as at present they don't, if no docs on you they can just seize it,
They don't have to check but most officers will check, by requesting a copy of a covernote or calling the insurer concerned or the MID helpline.what really anoyed me is that i needed the car this week to drive 160miles for a job interveiw, but even though i have paid the premuim in full and the vehicle is insured i dare not take it on the roads because of the plods stupid reliance on this bloody data base
You're being too over cautious. Why not just ask the insurer to fax you a copy of the covernote, keep it in your car with a bank mini statement showing the premium paid, along with the insurer's contact details. Then no officer in his right mind would seize the vehicle if you act reasonably. The system is not perfect but there is no real scope for improvement.
The Police are in a lose-lose situation as far as people like you are concerned. If they exercised their discretion and let an uninsured driver on his way who then ploughed into your car then you would be posting moaning about them not seizing the vehicle on the spot.
I'm sorry but you clealy don't know much about how insurance is transacted so maybe you should just put this down to experience and sort out your insurance affairs in good time in future.0 -
1, I'm not prepared to pay an extra £35 fee for a faxed copy of the insurance cert, when i should not have toYou're being too over cautious. Why not just ask the insurer to fax you a copy of the cover note
The Police are in a lose-lose situation as far as people like you are concerned. If they exercised their discretion and let an uninsured driver on his way who then ploughed into your car then you would be posting moaning about them not seizing the vehicle on the spot.
2,If stopped by the police because the ANPR system alerts plod to the fact my vehicle is not on the mid, yes i know that some will do further checks before seizing the car, but that does not mean that all police will do this, some don't as the location of my interview will mean travelling through several counties and be policed by at least 3 different forces ,and you think I'm being over cautious, i think not,
And the police should be able to check 24/7 to see if i or anyone else is insured or not (other than soley relying on ANPR) the reason i'm being cautious is i know of someone who lost there car in the very same circumstances unlucky for them they did not check mid before using the car, even though the insurance was in place and the car was legally on the road it cost them a lot of money to get the car released not to mention travel costs incurred to get home and get to the pound ,which is a disgrace, all fees should of been waived,0 -
1, I'm not prepared to pay an extra £35 fee for a faxed copy of the insurance cert, when i should not have to
Perhaps you should have checked how much this would have cost before purchasing the product? I'm sure plenty of brokers/insurers would have done this for you for no charge or a nominal charge.2,If stopped by the police because the ANPR system alerts plod to the fact my vehicle is not on the mid, yes i know that some will do further checks before seizing the car, but that does not mean that all police will do this, some don't as the location of my interview will mean travelling through several counties and be policed by at least 3 different forces ,and you think I'm being over cautious, i think not,
You seem to imply that some Police forces have a policy of not checking any other source other than the MID before seizing a car. I don't think this is correct. Can you provide a link to a verifiable source for that?And the police should be able to check 24/7 to see if i or anyone else is insured or not (other than soley relying on ANPR)
Who do you think is going to pay for this facility?the reason i'm being cautious is i know of someone who lost there car in the very same circumstances unlucky for them they did not check mid before using the car, even though the insurance was in place and the car was legally on the road it cost them a lot of money to get the car released not to mention travel costs incurred to get home and get to the pound ,which is a disgrace, all fees should of been waived,
Why should the fees be waived? Who should cover the costs of the Police's seizure of the vehicle?0
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