driving uninsured - help/advise

vikingaero

crazy_house wrote: »

I asked for the officer to let me get my bag from car so I could get insured before it towed, he wouldn't let me have my bag and said the vehicle would still be towed regardless,
I Feel as he took one look at me and said here a fool, Ir would never had occured to me that every time you leave home you should check insurance still in place so you dont get screwed.. You also said new insurance had to be in my name. I dont want to drive & hubby is registered owner/keeper so he was setting up just in his name. will that be an issue.

I'm amazed at this. On every no insurance seizure I've seen on TV, the occupants have been allowed to take goods and empty the car if necessary as long as they did it before the tow truck arrived.

It really sounds as though you got stopped by a real a-hole of an officer.

atrixblue.-MFR-.

vax is hitting on a really good point here, we see allot of police officers taking cars off people on the tv that say they have just renewed it and the cop still take the car during the night when the insurers are closed theoretically they should give a producer, if MOT License have been established but they dont, its a simple its not SHOWING INSURED WITH THE MID so its being seized.

birkee

Whilst there are some genuine grievances in the preceeding posts, the one that seems to be getting overlooked, is the people that insure their car to get a certificate using monthly payments. They then tax the car, and stop paying the monthly payments, so the insurance gets cancelled.
Producing that initial certificate proves nothing.

kingstreet

http://www.yesinsurance.co.uk/contact-us.html

Customer Services

Tel: 0844 8712 350

A nice young lady called Natalie has just confirmed they are open all day today.

Wig

vax2002 wrote: »

These inurance companies are starting to take the proverbial out of us, revenge tells me we should jam their free phone numbers daily to check our insurance is still valid, press the button to get a quote, they will soon get the message that we are annoyed at them cancelling insurance and not telling anyone until they get nicked.
This is a disgrace
Name and shame Swinton is one whos the other muppets.

PS I have a slight feeling the papers would be interested in this story, call these guys Anglia Press Agency 17a Whiting Street BURY ST EDMUNDS Suffolk IP33 1NR 01284-702421 news@angliapressagency.co.uk

Yes insurance were the other mupperts.

And in my case, it was Co-Op insurance cancelling without telling me.

atrixblue.-MFR-.

birkee wrote: »

Whilst there are some genuine grievances in the preceeding posts, the one that seems to be getting overlooked, is the people that insure their car to get a certificate using monthly payments. They then tax the car, and stop paying the monthly payments, so the insurance gets cancelled.
Producing that initial certificate proves nothing.

yes i agree with you, but thats you breaking a contract with them and your car deserves to be pulled in those circs.

what we are putting out is that, insurers cancelling a policy (them breaking a contract with you) and NOT notifying in writing leaving you unaware that you are "technically" unisured according to the MID.

birkee

atrixblue.-MFR-. wrote: »

yes i agree with you, but thats you breaking a contract with them and your car deserves to be pulled in those circs.

what we are putting out is that, insurers cancelling a policy (them breaking a contract with you) and NOT notifying in writing leaving you unaware that you are "technically" unisured according to the MID.

And I agree with you, but what I was pointing out, was the reason Police don't trust certificates.
Earlier posts suggested taking the certificate in to the Police to prove you were insured.

Hammyman

birkee wrote: »

And I agree with you, but what I was pointing out, was the reason Police don't trust certificates.
Earlier posts suggested taking the certificate in to the Police to prove you were insured.

Part of the problem is this

1) We have as described the situation of getting insurance on chuckie to get a certificate then not paying so insurance company cancel insurance and Police told not to accept certificates as proof.

2) DATA PROTECTION ACT. To counter problems with 1), the Police are told to check the MIB database and then if not on there, phone the insurers. BECAUSE OF THE DATA PROTECTION ACT, the insurers are only allowed to give very sparse information as to why a policy has been cancelled and when asked if the motorist was notified, the answer is likely to be yes if a letter was shown as sent by the automated system. The problem lies in that there is no guarantee that the motorist actually receives that and the insurance companies do not put in place a system to record if it was received, i.e recorded delivery etc. So it could be the letter was sent but got lost/delayed in the post.

Woody._2

Hammyman wrote: »

Part of the problem is this

1) We have as described the situation of getting insurance on chuckie to get a certificate then not paying so insurance company cancel insurance and Police told not to accept certificates as proof.

2) DATA PROTECTION ACT. To counter problems with 1), the Police are told to check the MIB database and then if not on there, phone the insurers. BECAUSE OF THE DATA PROTECTION ACT, the insurers are only allowed to give very sparse information as to why a policy has been cancelled and when asked if the motorist was notified, the answer is likely to be yes if a letter was shown as sent by the automated system. The problem lies in that there is no guarantee that the motorist actually receives that and the insurance companies do not put in place a system to record if it was received, i.e recorded delivery etc. So it could be the letter was sent but got lost/delayed in the post.

But they do give the reason, none payment or failure to supply proof of no claims are common one, what more info would you need?

zappahey

vax2002 wrote: »

Seized is a legal term for "taking Back ownership" the Registration certificate is a contract that gives away ownership it "registers" your car to DVLA, they issue a registration certificate in which they then allow you to become the Keeper of DVLA property, if you break those rules they can seize it back and do what they like with it.
Read the registration certificate you are not the owner, you are the "registered Keeper" DVLA OWN the car as long as it is registered to them

Are you really trying to say that DVLA owns every UK-registered car? :think: