Car insurance claim MIB

txc876

Just received a letter from the Motor Insurance Bureau about an accident my old car was apparently involved in a week after I sold it to a trader. The incident was two years ago.

The car was most likely uninsured at the time but my name has been associated with the registration and the MIB have written to me asking to confirm whether or not I was insured.

I have an invoice to prove sale prior to the accident but it must have been months after the sale that I sent off the below slip to the DVLA to confirm I had transferred ownership.

What is the best course of action for me?

Grateful for any advice.

FlameCloud

Did you cancel the cars insurance policy at the time of the sale?

keith1950

but it must have been months after the sale that I sent off the below slip to the DVLA to confirm I had transferred ownership

Why ?.....as well as what has now happened you also left yourself open to receiving other peoples speeding tickets and other motoring offences .

Was it sold to a proper motor dealer or dodgy trader ?

Have you got proof that you bought another car and insured / taxed it ?

txc876

I didn't cancel the insurance, it simply ran its course.

All I have is an invoice from a garage.

I didn't buy or insure another car for a long time after that.

I can give them the invoice but will that be enough if the car is still registered under my name?

keith1950

If yours was the only insurance on the car at the time of the accident then contact your old insurance company and inform them what has happened and send a copy of you sale invoice to the MIB.

If the car was resold by the dealer , at some point a new V5 would have to have been paid for, see if the DVLA can help with timescales.

The car was insured in your name and registered in your name so you might have an uphill struggle to prove anything.

FlameCloud

txc876 wrote: »

I didn't cancel the insurance, it simply ran its course.

All I have is an invoice from a garage.

I didn't buy or insure another car for a long time after that.

I can give them the invoice but will that be enough if the car is still registered under my name?

The registration of the vehicle won't matter it it hadn't been insured after you sold it. This is because in not cancelling your cover, your insurers will be forced to act as an RTA insurer by the MIB, which in essence means they will deal with the claim, and then send you a letter asking you to reimburse them.

paddedjohn

keith1950 wrote: »

If yours was the only insurance on the car at the time of the accident then contact your old insurance company and inform them what has happened and send a copy of you sale invoice to the MIB.

If the car was resold by the dealer , at some point a new V5 would have to have been paid for, see if the DVLA can help with timescales.

The car was insured in your name and registered in your name so you might have an uphill struggle to prove anything.

The new V5 would be free, the dealer would have the old one to send off with the new owners details.

txc876

Thanks for the advice. I've looked into some dates etc.

It turns out the insurance had already run out by the time of the incident by a week or so. In other words it was uninsured at the time of the incident.

Does that change things?

FlameCloud

txc876 wrote: »

Thanks for the advice. I've looked into some dates etc.

It turns out the insurance had already run out by the time of the incident by a week or so. In other words it was uninsured at the time of the incident.

Does that change things?

Yes, hugely. You need to be certain of dates and that your insurance policy was not on auto renew. If it was insured, the MIB will likely know it in any event.

Quentin

txc876 wrote: »

Thanks for the advice. I've looked into some dates etc.

It turns out the insurance had already run out by the time of the incident by a week or so. In other words it was uninsured at the time of the incident.

Does that change things?

There is nothing to change is there?

Reply to the MIB confirming that the car was not yours and you did not have it insured (ie answer their question).

Don't get involved over the date you sent off the form to the dvla. (Didn't it get delayed in the post? Whatever, it's not your problem)