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Help, no insurance!
Hi, I wondered if anyone could help. Basically my husband got stopped tonight whilst driving his van. The policemand said it had no insurance. Hubby argued this and rang me who then had to go and find the insurance certificate. Whilst reading the policy number we realised that the insurance cert was on the old reg. I bought my hubby a cherished plate in July and we put it on his van. I'm pretty sure I contacted the ins company as well as dvla etc.
Anyway to cut a long story short, the dvla have it registered with the new plate but the insrance coming up with the old plate, so the van has been compounded and he's being done for driving with no insurance.
I did ask the poilceman whther he could check the database to confirm that the old plate and new one are the same car but he said they would have to ring dvla to confirm and it was shut so they had to tow it off.
I know we're at fault for not checking it was ok but do we have any comeback at all here? It just seems so unfair when we would never knowingly not have insurance, the van has not changes, the driver has not changed, theres nothing different, just the plate. Morrally I would like to think we were insured although I'm sure by law we might not have been.
If anyone has any advice It would be great. Thanks
Anyway to cut a long story short, the dvla have it registered with the new plate but the insrance coming up with the old plate, so the van has been compounded and he's being done for driving with no insurance.
I did ask the poilceman whther he could check the database to confirm that the old plate and new one are the same car but he said they would have to ring dvla to confirm and it was shut so they had to tow it off.
I know we're at fault for not checking it was ok but do we have any comeback at all here? It just seems so unfair when we would never knowingly not have insurance, the van has not changes, the driver has not changed, theres nothing different, just the plate. Morrally I would like to think we were insured although I'm sure by law we might not have been.
If anyone has any advice It would be great. Thanks
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Comments
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They should have been able to find out at the time what the old reg was. The PNC will have more than one page in relation to his van and the previous reg is easily accessed. Have you told the insurance about the change and is it their error or yours?0
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I did say they must be able to check but they said not. Re whose error it was I'm pretty sure I called them to ask them to change it over, but I'm not sure how I could prove this? It might even be the case that it has been changed but is'nt updated on the system althought its been a few months so I would have thought it would be.
The police were absolutly adament that they were seizing the car and doing him for driving with no insurance. I find it hard that they can do that tonight, but if they'd stopped him in the morning they'd ring to check, so presumably wouldnt compund it then?0 -
Sorry for all the spelling and typos, I'm a bit stressed about it all.0
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Well according to Privilege on http://www.privilege.com/motor/personalised-number-plates.htm
they say:What about my car insurance?
Once you have received your Certificate of Entitlement, you need to contact your car insurance provider and let them know you have changed your car’s registration number. They can then update their database and issue you with a new car insurance certificate.
It’s essential that you do this, as all documents relating to your car need to match up.
There's no mention of not being covered; especially as it is the same car. Engine, VIN number etc so it's only a discrepancy on the paperwork. I had the same problem myself 10(ish) years ago where I'd got a personalised plate and forgot to tell the insurance to change it, I got pulled over for another reason and had to produce my documents which had the wrong reg number down. The girl on the desk told me that it was up to the issuing officer as to what would happen, but i heard nothing from them.0 -
If you changed plates then I believe most insurance companies will make a additional charge for changing information on the policy. Also dvla would issue you new V5 document it might take a few weeks for it to come. The police would check the MIB database that all insurance companies use. If police towed your vehicle you might face a charge for that and storage from what I have heard.0
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I did say they must be able to check but they said not. Re whose error it was I'm pretty sure I called them to ask them to change it over, but I'm not sure how I could prove this? It might even be the case that it has been changed but is'nt updated on the system althought its been a few months so I would have thought it would be.
The police were absolutly adament that they were seizing the car and doing him for driving with no insurance. I find it hard that they can do that tonight, but if they'd stopped him in the morning they'd ring to check, so presumably wouldnt compund it then?
Changes are usually done within 7 days. You need to get the car back asap as it's now costing you £20 a day storage on top of last nights £150 recovery charge. Get onto the insurance asap.0 -
If you get a replacement insurance certificate with the new reg number on it, it will state the date and time that the policy started and when it will finish. That should be enough the prove that your husband was not driving uninsured at the time he was stopped.
As said above, get onto your insurance company ASAP.0 -
I believe that if the police impound your car, and it's then found that you were insured, the charge for towing away, etc, is dropped. That's what I heard on one of the police stop programmes, anyway.
Insurance companies do charge for altering to a new registration number. Mine charged me £17 for informing that that my 2002 Black Mondeo Estate 2 litre was now a 2009 Black Mondeo Estate 2 litre - and charged me an extra £30 on top as increased premium!"There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock0 -
To be fair this could all have been sorted last night.
The insurance page will show the dates the insurance runs from.
The vehicle page will show the current reg, engine and chassis number.
The second page will show the cherished transfer date and original reg, if the engine and chassis number match up job done.
On a second note what reg is on the tax?0 -
Pnc should show the cherished transfer, but there is the odd occassion when it doesn't. Police have to rely on the dvla system afterall.
As others have said, speak to your insurance company, get a new insurance certificate with the relevant dates on it, then produce that at the police station and car pound.
As long as it shows you were covered at the time you were stopped you'll have nothing to pay and get your car back
The police should have been able to run a check on both reg numbers and see what the insurance state is. I'm sure you've already done so, but your insurance company need speaking to asap in case they have cancelled your policy for some reason. From what you've written it seems unlikely that the car would have been seized. Of course, the officer may have made a huge mistake
On a side note, changes for 99% of companies happen within an hour or two on pnc. The only time you have any real discrepency there is early hours of the morning on the last day of your policy.0
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