Accidental Lapse in Car Insurance

Ozzuk

UsOrThem wrote: »

you'll see from the beginning of the thread that I had an issue of believing i was covered as I had completed a transaction on compare the market, i then was told I was not covered by my insurer...which later turned out to be incorrect... hence having two policies!

Nope, you never mentioned that at the start - changes things somewhat! Glad you got it sorted though.

sheramber

You didn't mention having having been on comparison sight.

Your scenario is rather confusing without company names

I took out a new policy, new insurer contacted me after a month as said they couldn't find proof of my no claims and had found I'd had a lapse in cover. As such my premium went up to reflect both.

What company is this?

that the initial policy 'had' been taken out because the purchase was confirmed by the insurer within their database.

What initial policy? What company?

With this info I then fought hard with the insurer, first central who ended up 'finding' my policy meaning I'd been double covered!

Who were you double covered with ?

now have to fight with my current insurer to have my no claims reinstated and premium reduced accordingly.

Who is your current insurer?
Your original insurer
the company you joined through the comparison site
another company that you joined when you thought you were not insured

TooManyPoints

You don!!!8217;t have to have car insurance as long as the vehicle is parked on private land (e.g. your driveway). It!!!8217;s

Yes you do - unless the vehicle is declared off road by way of a SORN.

Section 144A of the RTA requires "continuous insurance" to be in force and S144B (which provides for exceptions to S144A) only provides an exception for vehicles kept off road if "...the registered keeper has by the relevant time complied with any requirements...that he is required to have complied with by the relevant or any earlier time." [i.e. declared the vehicle off road].

You may be OK in view of the time elapsed. However, there is a regular comparison between the DVLA database and the MIB (Motor Insurers) database to identify vehicles which are not declared off road and which are not insured.