📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Showing as uninsured on askMID

Options
13567

Comments

  • Hintza
    Hintza Posts: 19,420 Forumite
    10,000 Posts Combo Breaker
    Ectophile wrote: »

    If you are on the database, the police won't stop you if you pass an ANPR car. If you're not, then you'd better make sure you have that insurance certificate handy. If you forgot, then your car could be off to the pound, and you'd be walking home.

    One thing I have learnt in life is don't sweat the small stuff and this really comes under that category and can easily be resolved.

    The majority of drivers will never even have heard of MID.

    You all must be of a certain young age if this worries you.
  • facade
    facade Posts: 7,601 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hintza wrote: »

    The majority of drivers will never even have heard of MID.

    True.

    Quite a few of them post on here & peppipoo for advice about their prosecution for no insurance/impounded car when it turns out they or their insurer have made an administrative error.

    Easily resolved as you say, just a few sleepless nights, possibly a court appearance, and stress they don't need.

    Personally, anything that flags my car up for an anpr stop, where I could fail "the attitude test" inviting further scrutiny is to be avoided, so I check the MID for all our vehicles periodically, based on the inevitability of "computer error" as well as a basic mistrust that anyone else will actually bother to do their job properly.:D

    As a pessimist, most of the time I am pleasantly surprised when things go right, and resigned to their going wrong ("I knew it!"):cool:

    If I were an optimist, I could only be crushed & disappointed when they inevitably do go wrong. ("I don't believe it!") :rotfl:
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science ;))
  • photome
    photome Posts: 16,669 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Bake Off Boss!
    facade wrote: »
    True.

    Quite a few of them post on here & peppipoo for advice about their prosecution for no insurance/impounded car when it turns out they or their insurer have made an administrative error.

    Easily resolved as you say, just a few sleepless nights, possibly a court appearance, and stress they don't need.

    Personally, anything that flags my car up for an anpr stop, where I could fail "the attitude test" inviting further scrutiny is to be avoided, so I check the MID for all our vehicles periodically, based on the inevitability of "computer error" as well as a basic mistrust that anyone else will actually bother to do their job properly.:D

    As a pessimist, most of the time I am pleasantly surprised when things go right, and resigned to their going wrong ("I knew it!"):cool:

    If I were an optimist, I could only be crushed & disappointed when they inevitably do go wrong. ("I don't believe it!") :rotfl:

    What did you do before MID existed

    Like Hintza I have never given it a second thought.

    Then again i dont use twitter either
  • pvt
    pvt Posts: 1,433 Forumite
    photome wrote: »
    What did you do before MID existed

    I think the question is more about what Her Majesty's constabulary can do now that MID does exist...
    Optimists see a glass half full :)
    Pessimists see a glass half empty :(
    Engineers just see a glass twice the size it needed to be :D
  • teabelly
    teabelly Posts: 1,229 Forumite
    Part of the Furniture
    edited 3 June 2014 at 9:11AM
    When tax also becomes electronic those that don't think to look will need to check that their vehicle is taxed as the handy reminder on the windscreen will no longer exist. No tax also means potentially no full comprehensive insurance either depending on policy wording.

    It takes seconds to check the MID and costs nothing. That is far, far less time than dealing with the consequences of not being on it.
  • Quentin
    Quentin Posts: 40,405 Forumite
    teabelly wrote: »
    ..... No tax also means potentially no insurance either depending on policy wording.......

    You made that up!

    Simply not true.
  • teabelly
    teabelly Posts: 1,229 Forumite
    Part of the Furniture
    Quentin wrote: »
    You made that up!

    Simply not true.

    Is there a legal reason an insurer could not reduce cover to third party only from comprehensive if the vehicle wasn't taxed if it were so written into the small print?
  • Quentin
    Quentin Posts: 40,405 Forumite
    teabelly wrote: »
    Is there a legal reason an insurer could not reduce cover to third party only from comprehensive if the vehicle wasn't taxed if it were so written into the small print?
    No.

    What does the tax status have to do with the insurance cover?

    As previously posted, you made it up!

    Why not stand corrected instead of just digging a deeper hole like this?
  • teabelly
    teabelly Posts: 1,229 Forumite
    Part of the Furniture
    edited 3 June 2014 at 9:32AM
    You can't legally drive a vehicle on the road without tax unless on the way to or from a pre booked MOT. At any other time you are driving illegally. I have seen it written in the small print of policies I have had that any kind of illegal driving or driving not accordance with your licence eg wrong class of vehicle you are uninsured altogether or have third party only cover.

    That's my point. You have to check the small print. Just because it doesn't say explicitly driving without tax invalidates insurance doesn't mean that it is ok to do as there could be other conditions which would catch this due to the deliberately vague wording.

    It's still worth reading the small print of any policy.
  • Hintza wrote: »
    The majority of drivers will never even have heard of MID.
    That included me, until now. :embarasse

    Interesting and potentially useful web site although I've always relied on the paper Certificate of Insurance for my peace of mind.
    Are you for real? - Glass Half Empty??
    :coffee:
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.