Drove without insurance

wonn

As things stand, things appear to be ok on this score. I've informed my present insurer etc. and no one appears to have a problem.

The police were interested - 'tempted' - but thought (erroneously) that Trading Standards would have more success in getting my money back quicker. Told me to keep in touch and come back in the future. That was before the insurance incident, but things are looking to be ok there now, so I feel happier about the prospect of getting in touch.

Parking_Trouble

If you think the Insurance company have made an error or not been entirely clear with their questions when taking out the policy you could consider lodging a complaint with them.
After 8 weeks, if you are not happy with their response take it to the Financial Ombudsman Service. The FOS will actually raise the complaint on your behalf.
The FOS will pass it to an adjudicator for a ruling if you are not happy with the response from the Insurer.

If you believe you have a good case to get your money back from the garage take them to court through the Small Claims process. It is a pretty simple process.

If the police had checked if you were insured at the time of the accident a call to the insurer would have shown you to be covered. Can they retrospectively put points on your licence, surely not? There must be loads of claims where the claimant gets tripped up by small print where cover is supposedly withdrawn/invalid. Does that lead to the OB getting involved and charging you?

lostsheep

This might be a complete nonsense, but is there a chance the wording of the assumption, as stated by the insurer, didn't adequately differentiate between your licence as a whole and the additional coverage for biking? Because if their wording was merely along the lines of 'held a valid driving licence for two years' rather than 'held a valid driving licence with provision for this type of vehicle for two years', then surely they would have had no grounds to withdraw from the agreement...