Insurance expired - couldn't renew?

Orange_Candle

Hi,

Sorry if this has been asked before!

My insurance expired last night, and I tried to renew it yesterday evening before it expired. I generated a renewal quote online but the website wasn't working and I was unable to complete payment and therefore start the insurance. As it was a Sunday, I was unable to phone the company (they were closed when I tried). Obviously I should have sorted it before then, but as online services were offered and usually available 24/7, is it acceptable to assume that this will work? Therefore, would this count as a mitigating circumstance for expired insurance? I can prove that I tried to complete the transaction through emails from the company, and phone record will show I called them last night.

I know it is unlikely that I will have been caught for it, but I am aware that sometimes insurers will attach details to the MID record that there was a lapse in insurance, and so police searching the database will be able to see that I was uninsured.

Thanks in advance for your help

enfield_freddy

ask the mid , http://ownvehicle.askmid.com/

Nodding_Donkey

If you renewed it this morning then I doubt very much wether anyone will be bothered about the continuous insurance thing. If you mean mitigation on a charge of driving without insurance then no, it won't help at all.

arcon5

No, if they reject the order you're screwed. Don't rely on it until you have documents or some kind of written confirmation. Next time do it sooner.

forgotmyname

If your stopped 10 seconds after your insurance runs out your guilty. If you didnt renew it then keep the car off the road and do not drive it.

Orange_Candle

AskMID is showing as not insured at the moment because the new policy isn't on yet, so I won't know until it updates if they have attached a note to it.

It wasn't that I didn't renew it because I forgot or didn't want to, I tried to renew it using a method I had been led to believe by the insurance company would allow me to renew at a time convenient to me, and when this didn't work I tried an alternative method but they were closed. Obviously next time I will ensure this doesn't happen on a Sunday!

Thanks for the responses.

macman

Systems failure by some third party is irrelevant. It's your sole responsibility to have the insurance in place, nobody else's.
Suppose your broadband had been down-do you think an acceptable defence would be to blame your ISP? It doesn't work like that.

AdrianC

Orange_Candle wrote: »

My insurance expired last night, and I tried to renew it yesterday evening before it expired.

I s'pose it's a daft question why you waited until the very last minute...?

giraffe69

It doesn't cost more if you do it a couple of weeks in advance!

Quentin

Your period uninsured won't have any consequences as far as "continuous cover" is concerned.


This process involves you first getting a warning letter to get insured and only if you ignore that do you get a fine.


Of course don't drive or put it on the road now until you know your cover is in place!

InsideInsurance

Its odd that you are doing a quote? The insurer would have done a quote in advance and sent this to you and all you need to do is accept it (which in most cases is done by doing nothing).

Unless things have changed recently insurers have 7 days to update the MID for personal line customers but most do it as a batch file update at the end of the day.