No Insurance for my car in the petrol station.

societys_child

rs65 wrote: »

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

That's a possibility, although the response back over the radio was immediate and included all the vehicle details (not the incorrect details shown on the MID)

You would think these databases would cross reference and throw up any inconsistency or discrepancy. Had this conversation with the broker and the guy in charge of the MID at the insurance company, they couldn't understand it either.

societys_child

Sally_A wrote: »

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.

Ha ha, yeah, before I phoned NIG, I looked at their website and saw the phone number for their MID dept. Called that, explained the problem and the guy said "well just log in and change it"

Me: Eh? what? eh-up? . . 'cos that's how we speak in Yorkshire

At that he said "oh, I thought you were a trader"

You're right, NIG stopped writing private policies last year, still with the same broker but he'd to find me a new insurance co. and my premium went from £200 to £250

Sally_A

Still no excuse for a mess up on the vehicle make/model. Must admit keeping the MID up to date is a bit of a PITA - but at least I can see what's on there, and i know it's correct.

I've had fourway conversations me/client/police/MID "helpdesk" when a client has been stopped roadside, and the police want to verify details - usually down to the Motor Trader not keeping on top of the MID, or the Police want to know that a certain driver has been declared (well, usually, but not always on a business policy).

Best phone call was from the Police asking if we expected a trade plate registered in deepest darkest Wiltshire would be expected to be seen driving around in Lancashire - nope - it was cloned.

societys_child

That's something I'd never thought of, cloning trade plates now are they. Really dodgy, I thought the police motto was "Red on White, Stop on sight" Seemed to be whenever I used them.

Parking_Trouble

I may have missed something here but if you believe you have a legitimate policy in force then why worry about being stopped. there will be sufficient checks made directly with your insurer to confirm.

What has petrol station cameras got to do with insurance checks?

Apologies if I am being stupid.

opinions4u

vax2002 wrote: »

The police will take the car if it is not on MIB regardless of what documents you have, they regard them as forgeries.

Despite your high post count, I have to say that you stand out as one of the most remarkable providers of complete and utter tosh on this forum.

You state a misaprehnesion as fact far too often.

smala01

Parking_Trouble wrote: »

I may have missed something here but if you believe you have a legitimate policy in force then why worry about being stopped. there will be sufficient checks made directly with your insurer to confirm.

What has petrol station cameras got to do with insurance checks?

Apologies if I am being stupid.

Indeed - the only problem i see is if you take out a new policy and drive immediately onto the road. But in that case I have my insurance certificate with me in case im pulled over

Sally was commenting on a press report that suggests petrol stations will NOT allow petrol to be pumped if the vehicle registration does not appear on the insurance database (since most petrol stations have ANPR cameras installed). This could lead to a legitimate driver being refused fuel in the above case or if a mistake has been made on the database.

Frankly - for the greater good, the more deterent to uninsured motorists the better.

Smala01

pogofish

Parking_Trouble wrote: »

What has petrol station cameras got to do with insurance checks?

This proposal is what might have spooked the OP?

Cameras at petrol stations will automatically stop uninsured or untaxed vehicles from being filled with fuel, under new government plans.
Downing Street officials hope the hi-tech system will crack down on the 1.4million motorists who drive without insurance.
Automatic number plate recognition (ANPR) cameras are already fitted in thousands of petrol station forecourts.
Drivers can only fill their cars with fuel once the camera has captured and logged the vehicle’s number plate.
Currently the system is designed to deter motorists from driving off without paying for petrol.
But under the new plans, the cameras will automatically cross-refererence with the DVLA’s huge database.
When a car is flagged as being uninsured or untaxed, the system will prevent the fuel pump being used on that vehicle.

http://www.mirror.co.uk/news/uk-news/cctv-at-petrol-stations-will-automatically-stop-758518

Hmmm.....!

I wonder if they are going to raise pertol station staff pay rates to match police or DVLA enforcement officers then?

pogofish

smala01 wrote: »

Frankly - for the greater good, the more deterent to uninsured motorists the better.

I'd only agree if insurers were properly compelled to conduct themselves with some integrity in the first place.

However, as I am currently being obstructed and stonewalled at every turn in a complaint against an insurer whose incompetence, and failure to maintain proper records resulted in my having a policy voided and my being placed on one or more of the toxic databases, through no fault of my own, I would currently prefer that they and all who work for them be strung-up by the toenails and prevented from conning the public ever again! :mad:

CKhalvashi

vax2002 wrote: »

The police will take the car if it is not on MIB regardless of what documents you have, they regard them as forgeries.

No, the police will check with the insurer that everything matches up. If they’d taken a 2 day old car from me last September, I wouldn’t have been very happy, and in fact they were pleasant whilst sorting the problem out.

I still didn’t get an apology, though :mad: