BMW dealer "forgot" to activate free complimentary insurance

twhitehousescat

jaybeetoo wrote: »

Surely there must have been some insurance in place for the car to be taxed.

insurance is not checked in england wales or scotland (it is in NI) , this was pointed out to me only last week by the DVLA , the way to catch people is the dvla "crawls" the mid database once per month


no insurance , nasty fine

cdturri

once per month? On dear, I knew government systems were old but this is crazy.

Dean000000

Forget it and move on.

What are you hoping to achieve by complaining?

Takmon

cdturri wrote: »

Dealers are exempt from the continuous insurance enforcement but sure once I signed all papers was the new registered keeper and the dealer should have checked I had insurance before letting me drive away.

It's the responsibility of the person driving the car to make sure they are insured and it's your fault for not making sure this was done before you drove the car, no excuse.

Do you really want the dealer to nanny you by having to show proof of insurance before you drive away?.

twhitehousescat

cdturri wrote: »

once per month? On dear, I knew government systems were old but this is crazy.

I was putting a vintage bike back on the road , last used in 78 , I had v5 , I rung DVLA regarding tax free and MOT free status , told to go to PO and fill in form and amend V5 , I told DVLA , no insurance till I get pics to insurer " we dont check when getting ved , and you must be insured to use it on road - we check MID once a month , " do not use its not on road get it insured quickly , or before monthy scan of MID

which to me seems they are more interested in collecting fines , than stopping uninsured drivers

cdturri

Takmon wrote: »

It's the responsibility of the person driving the car to make sure they are insured and it's your fault for not making sure this was done before you drove the car, no excuse.

Do you really want the dealer to nanny you by having to show proof of insurance before you drive away?.

I am not denying my responsibility but if you read the whole story I clearly asked about this and I was told it will be done on collection day. I didn't ask on the day and that's my fault but I am not the only guilty here. According to the law they should have checked too. In fact a friend of mine got a new car from the same dealer a year ago and he was given the 7 day free complimentary insurance without asking for it, and he was told he couldn't take the car without insurance, they would either ask for proof of insurance or do the 7 day complimentary insurance. That makes sense to me.

It's not about being a nanny to people, it's about following a due process to make sure no mistakes are made. People are human and can make mistakes. I don't buy cars every day, the dealers work on this every day and it's their job. I did remember in the end and got it sorted. But if the dealer just asked it would have been unmissable. Also I would have sorted insurance before collection if I wasn't told I had a 7 day free complimentary insurance. The reason I waited is that I wanted to insure the car after 7th March when I get paid as having made the car purchase I am short of funds. Otherwise I would have just put it on a credit card.

cdturri

And on the subject of nanny I was asked to sign several forms that said for instance that the dealer showed me the car's controls or I was advised about additional insurance products and I declined them. Clearly they do follow due process for certain things, I don't see why they can't do the same thing for the car insurance. Either request the free complimentary or the customer signs a form saying they have bought car insurance already. Simples.

Dean000000

cdturri wrote: »

People are human and can make mistakes.

Why is this applicable for you, but not the salesman at the dealership?

cdturri wrote: »

I don't buy cars every day, the dealers work on this every day and it's their job..

Arguably insuring your car is something you deal with the other 358 days of the year - so using the same logic - shouldn’t you be the one with more experience insuring your car?

Takmon

cdturri wrote: »

I am not denying my responsibility but if you read the whole story I clearly asked about this and I was told it will be done on collection day. I didn't ask on the day and that's my fault but I am not the only guilty here. According to the law they should have checked too. In fact a friend of mine got a new car from the same dealer a year ago and he was given the 7 day free complimentary insurance without asking for it, and he was told he couldn't take the car without insurance, they would either ask for proof of insurance or do the 7 day complimentary insurance. That makes sense to me.

Every driver should know you need insurance before you can drive a car, getting in a new car and not even thinking you need it insured is a pretty big mistake to make.

Cars are bought and sold each day privately and people manage to get it insured before they drive it away so i don't see why a dealership should have to nanny their customers by checking their insurance.

Your trying to partially blame the dealership but they won't be there to hold your hand when it's time to renew your insurance so you need to take responsibility for this.

cdturri

Takmon wrote: »

Every driver should know you need insurance before you can drive a car, getting in a new car and not even thinking you need it insured is a pretty big mistake to make.

Cars are bought and sold each day privately and people manage to get it insured before they drive it away so i don't see why a dealership should have to nanny their customers by checking their insurance.

Your trying to partially blame the dealership but they won't be there to hold your hand when it's time to renew your insurance so you need to take responsibility for this.

Things are not black and white as you paint them. The whole point of this thread is to understand if the dealers share some responsibility or not in making sure customers have insurance. It's not about shifting blame. You paint as it it just as simple as throwing me in jail and throwing the key away. What if I was involved in a serious accident and someone ended up injured or dead? There will be no insurance company to claim against. Sure I will be blamed for that but if it would have been prevented by a simple question why not do it? All I am trying to do is to understand if due process needs to be followed.

I know I assumed it was being done and I didn't ask, that's my mistake and I can't change the past. But I can follow up with the dealer to make this never happens to them again if they implement a simple process. You don't like to be nannied? Fair enough but what damage does it do to a dealer or yourself if you are asked if you have insurance if that prevents few people assuming things wrongly or forgetting? Seems to be a valid thing to do with very little cost.

In any case your comments are not really adding anything to the discussion. I know I should have asked and I was wrong. What's your point in stating that again? Good old trolling if you ask me.