No Insurance for my car in the petrol station.

smala01

vax2002 wrote: »

It may be dependant on where you live, however in West Yorkshire, they will call nobody, if you car is not on MID it will go on the back of a recovery truck and you can argue it out with the recovery garage.
UNLESS you are in possession of these documents at Roadside :
A full Birth certificate and at least one form of Photographic ID such as a driving licence or passport.
A document or reference to from your insurance stating policy number and time and date of commencement .
They will only accept ALL of the 3 and then will deal with by way of producer.
If you dont have all 3, away it goes.
They do have severe issues up here with identity problems so Things may be different in areas with Less insurance fraud.

What exactly do the Police expect you to "produce" in addition to what you have already provided at the roadside?

There is no legal requirement for an individual to posess insurance AND maintain the MID database. How can an individual be expected to maintain a database that is out of his control?

IF this is a policy of South Yorkshire police then they are in breach of their powers and i would happily challenge them in court.

Smala01

Sally_A

smala01 wrote: »

There is no legal requirement for an individual to posess insurance AND maintain the MID database.

Oh yes there is! Especially if you run a fleet or a motor trade business.

Here is the latest DVLA dreamed up plan - hope your insurers do all change of vehicles on the same day, and also hope the garages and police have constantly updated info, rather than the once a week downloads they currently do.
http://www.insurancetimes.co.uk/downing-street-plans-fresh-crackdown-on-uninsured-drivers/1395288.article#commentsubmitted

smala01

Sally_A wrote: »

Oh yes there is! Especially if you run a fleet or a motor trade business.

Here is the latest DVLA dreamed up plan - hope your insurers do all change of vehicles on the same day, and also hope the garages and police have constantly updated info, rather than the once a week downloads they currently do.
http://www.insurancetimes.co.uk/downing-street-plans-fresh-crackdown-on-uninsured-drivers/1395288.article#commentsubmitted

Sally - i'm sorry but you and the other poster are wrong.

The enforcement procedure is different to the legal obligation. If your car is not on the MID then a reasonable person would accept the police have due cause to "pull you over".

Your only obligation is to prove you have insurance by showing a certificate of motor insurance at the roadside.

If you cannot do so, then provided you can provide your identification the police will usually (but not obliged) check with the insurance company before impounding your vehicle.

the law is quite clear - there is no mention of updating the MID because an individual is unable to do such a thing.

The following is the South Yorkshire Police policy on the matter:

"Where a driver is unable to produce insurance or a driving licence or it is unclear whether such documentation exists, the DVLA and or Motor Insurance database is checked. If a record is not found, it is not automatically assumed that the driver does not hold the correct documentation. If further questioning and other investigative options give reasonable grounds for seizure then the power to seize will apply."

vax2002

They are a bit fairer than West Yorkshire, if you have the ID they require and can prove who you are, then they may give you a producer.
But things are so bad around some citys here, if your car is not on MID and you dont have ID that proves who you are and lets be honest, you could be anyone, they will lift the car.
Who can argue with that ?
If you have new insurance, carry some ID, birth certificate OR passport until your car pops up on mid and your photo card licence and your policy number and you will be on your way.
Those that are causing the problems, using fake cover notes, cars insured in others names, wont be and to be honest, hats off to the police for putting a stop to it.

Sally_A

But as for buying petrol, the cashiers will not have the authority or time to check with the various MID centres. Will they put a copper at each fuel station?

Another cockeyed dream thought up by a graduate out of touch with real life, or not enough real life experience, or even a DVLA employee who wants to make things even more complex and cause more paperwork to justify their existence and pensions.

They have scratched the surface on this one, but not thought 3 steps ahead.

Theft of number plates, or cloned plates will soar!

societys_child

Right, just to throw some confusion into this debate.

I was involved in a collision, someone was hurt, ambulance and police attended. I gave a statement to the police and he checked my insurance over the radio. I listened as my vehicle and insurance details came back - reg/ colour/ make/ model/ insurance - all correct, and I was allowed to continue on my way.

A couple of weeks later, out of interest and because I'd never looked at the site, I checked the MID . . . and guess what?

The details were completely wrong. My vehicle is a Nissan but was registered on the MID as a Ford Iveco and had been incorrectly registered since insurance renewal 9 months earlier.

So where do West Yorkshire police get their information, it certainly ain't from the MID, and whatever database they use is obviously not cross referenced with the MID as this mistake would have flagged up.

Sally_A

If you put your details into the AskMID website, it should come up with what your car is, a typo by the inputters can easily turn your Corsa into a Ferrari.

From what I was led to believe, on a simple one car private car policy the police can find out a) if your car is insured, and who with b) who the permitted/expected drivers are. The MID or insurance helpline should be able to iron things out if the numbers or letters have been slightly mixed up.

Unfortunately the inputters of such information are probably minimum wage/no prospects or conscientiousness in their job - sad for you as you could receive a £5k fine for not having your details on the MID correctly.

societys_child

Thanks, there was no mistake, no typo ( not on my part anyway) When I discovered the discrepancy, I called my broker who checked they had the correct details and advised me to ring the insurer NIG. They said it was nothing to do with them and referred me back to the broker who tried to refer me back . . . agghh, got stuck in a loop

In the end I left it with the broker who called me back a few hours later.
He explained that after a long discussion with NIG the only way round it was for him to submit all my details to the insurer again, with a note attached and they would try to rectify the problem.

Don't know how it could go so wrong because I'd been insured through the same broker with the same insurer for the previous 4 years. Maybe it had been wrong for years . .

The broker wrote a few weeks later to say it had been rectified.

But you missed the point, although the MID was wrong the police received the correct info at the roadside, over the radio.

So the check they did could not have been through the MID, or at least not the database we see.

rs65

societys_child wrote: »

So the check they did could not have been through the MID, or at least not the database we see.

Maybe they just check MID for the reg number. Maybe check DVLA for vehicle details and driving licence details.

Sally_A

societys_child wrote: »

But you missed the point, although the MID was wrong the police received the correct info at the roadside, over the radio.

So the check they did could not have been through the MID, or at least not the database we see.

Half the time the police will just check the reg no, and not listen to the rest of the conversation. Is that just a private car policy? I didn't think NIG were in the market for that and just passed it all to Direct Line.

OH has a Motor Trade policy with NIG, and the onus is on me to keep it up to date and accurate.