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Showing as uninsured on askMID
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What did you do before MID existed
Like Hintza I have never given it a second thought.
Then again i dont use twitter eitherI think the question is more about what Her Majesty's constabulary can do now that MID does exist...
A system now exists that flags up uninsured cars.
It is a responsibility for a Police Officer who is aware of a potentially uninsured car to investigate i.e. stop it and interview the driver. (otherwise it would be his fault that the nuns & baskets of kittens were run over by the uninsured, and possibly unlicensed, driver that he could have taken off the road and didn't)
So he stops you.
You claim to be insured. He will ring your insurer to check. If he doesn't get an affirmative answer, and he has reason to believe your vehicle is not insured for your use he must take it off the road and impound it. (otherwise he is permitting you to drive with no insurance)
Wave whatever piece of paper you like, you walk home then.
If the certificate is a couple of days old, he would likely give you the benefit of the doubt as "the database is slow"
A month old and your car is headed for the pound, as the insurance could have been cancelled and you kept the certificate, but the car was removed from the database on cancellation.
Then you simply pay for the release, keep the receipt and start the process of claiming the fee back as you were insured (not because your car was wrongfully impounded: it wasn't)
Much easier to check it is on there in the first place.
(And I'm still not on it :mad::mad:)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)
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So what you are saying is that they are slow in putting cars on the database so you can give yourself a cardiac chasing around trying to sort it out but in effect probably does nothing to speed up the process. Your chances of getting stopped by an ANPR check are exactly the same as mine who hasn't checked.
If I get a few weeks in to a new policy and haven't been stopped it would be logical to assume it is then on the database otherwise I would have been pulled.
Through the whole process I have been calm and serene whilst your checking has taken 5 years off your life.
I think I will stick to the way I do it by checking the paperwork thoroughly when it arrives for any errors or omissions.
As I said don't sweat the small stuff, if you have lived and worked in Africa, Burma, Cambodia and Madagascar you would understand where I'm coming from.0 -
Actually I'm saying that there is every possibility that the most junior member of the office at my insurer has not even bothered to put my car on the database, and might just do so now that I have reminded them.
If they still haven't bothered by Thursday night I will ring & complain on Friday. As you say, nothing to worry about, just one more tiny little thing designed to annoy me.
The five years off my life part will happen when the truck lifts my car up 200 miles from home late on a Sunday- if I don't ensure they do their job properly now.;)
The petty bureaucracy of this Country loves to find fault with small stuff, and preys on the Law-abiding who follow the rules, whereas the people who stick two fingers up at the Law and live outside the system are "too difficult" and get away with everything :mad: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)
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Actually I'm saying that there is every possibility that the most junior member of the office at my insurer has not even bothered to put my car on the database, and might just do so now that I have reminded them.......
They are given 7 days from the start date (then 7 days if you make changes during the year)
Just go with the flow0 -
... You claim to be insured. He will ring your insurer to check. If he doesn't get an affirmative answer, and he has reason to believe your vehicle is not insured for your use he must take it off the road and impound it. (otherwise he is permitting you to drive with no insurance)
Wave whatever piece of paper you like, you walk home then.
Then you simply pay for the release, keep the receipt and start the process of claiming the fee back as you were insured (not because your car was wrongfully impounded: it wasn't)
WRONG
In the circumstances you quote, it was wrongfully impounded.
You need to read up on THE LAW which says a car can be seized if all three of the following are met:
1) a PC in uniform requests the driver to produce the insurance certificate
2) the driver fails to produce it (thereby committing an offence) AND
3) the PC believes the driver was uninsured
http://www.legislation.gov.uk/ukpga/1988/52/section/165A
Please note the word "AND" which appears in the legislation.
What the law DOES NOT allow is a PC to seize a vehicle believed to be uninsured regardless of whether a valid certificate is produced.
Even if the PC is told by an insurance company on the phone that the insurance certificate produced doesn't cover the driver, the seizure will still be UNLAWFUL if it turns out that the certificate does in fact, cover the driver. The driver / owner can successfully take action against the police for wrongful interference with property.
This was proved in this case:
Pryor v The Chief Constable of Greater Manchester Police, [2011]
http://www.legalknowledgescotland.com/?p=263
If a valid certificate of insurance is produced, any seizure would be illegal. In prcatice, it may still happen, but it would be illegal.We need the earth for food, water, and shelter.
The earth needs us for nothing.
The earth does not belong to us.
We belong to the Earth0 -
They don't do it (or have to do it) at the moment you go on cover.
They are given 7 days from the start date (then 7 days if you make changes during the year)
Just go with the flow
Odd how they always have appeared straight away before....
Also funny perculiar how I got a rather curt email telling me it could take upto 14 working days from my insurer yesterday afternoon, but it co-incidentally appeared on the database at 10:00 this morning.
A more cynical person would think that they had "forgotten'" and had done it at the same time as they emailed me, then it updated overnightI 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)
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Odd how they always have appeared straight away before....
Also funny perculiar how I got a rather curt email telling me it could take upto 14 working days from my insurer yesterday afternoon, but it co-incidentally appeared on the database at 10:00 this morning.
A more cynical person would think that they had "forgotten'" and had done it at the same time as they emailed me, then it updated overnight
Nothing funny bout that at all, it 'normally' goes on MID within 24 hrs, it can take (depending on circumstances) up to 14 days A lot of the problems seem to be at MID i.e. broker/company sends details MID delay putting them on/ 'lose' details/broker then has to resend details.0 -
Nothing funny bout that at all, it 'normally' goes on MID within 24 hrs, it can take (depending on circumstances) up to 14 days A lot of the problems seem to be at MID i.e. broker/company sends details MID delay putting them on/ 'lose' details/broker then has to resend details.
Sounds reasonable, my insurer likely sent it again when I prompted them, and this time it didn't get lost.
As I say, it has always been on on the first day of cover before, when I have renewed ahead of time.
OTT but
In my day job I sent a load of those "fill in the blob in HB pencil" sheets for optical scanning. Got contacted to ask why I didn't send the whole batch, when I phoned to complain because I did send them it was
"Oh sometimes two stick together and only the top one scans"
So if that is such a common occurrence, why didn't they just put the stack through again and again until they were sure everything had scanned before making me think I'd left 6 on my desk?
Or even count the sheets by hand to see if the tally matched?
I suppose you just can't get the staff nowadays :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)
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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.
Not young at all!
I just can't see why anyone would want to avoid spending a minute at most checking their insurance on a web site, when the alternative is a lot of hassle and grief if the insurance company have forgotten to register you.
Until recently, there was no MID, and no ANPR cameras to catch drivers with no insurance, so it was a non-issue.
Now your car can be impounded by the police if you can't prove you have insurance.If it sticks, force it.
If it breaks, well it wasn't working right anyway.0
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