Motor Insurance Database

XRS200

bertiewill said:

I'll put in a complaint. Anyone got the correct email for LV? I have had trouble finding it online. 

Your policy should have a section on how to complain 

ontheroad1970

DullGreyGuy said:

Iceweasel said:

I would have suspected this to be a scam if the letter has actually said Motor Insurance Database.
There is no such thing.
It's the Motor Insurers  Database.
Did this 'friendly poke' suggest that you need to pay anything to anyone?

No, its the Motor Insurance Database

Its unusual its the police sending the letter though, normally the DVLA send the letters automatically.

bertiewill said:

My problem is for 3 month I wasn't on it and has their been an incident this would have caused stress at the least and potentially hampered any claim. I am also not happy at receiving a letter from the police where I have done absolutely nothing wrong.

My insurance company have been remiss and I feel I am owed some recompense here. What is my best way of going about this?

The fact that you've not received a DVLA letter either means your address is wrong on your V5c or its not been a 3 month problem/LV have been working on things in the background with the relevant authorities. 

You can only claim for what did happen not what might of happened. You've only just found out and weren't stressing for 3 months about it. So, what financial loss have you suffered? Assuming its nothing and your "stress" was at most for a couple of hours before you could call LV for an explanation then complain if you want to and they may give you a £25 go away money to close the matter off. 

I had a similar letter from TV police when I had changed cars and my insurers were slow in transferring the policy over

ontheroad1970

bertiewill said:

Fair enough guys. Thanks for your comments.

I'll put in a complaint. Anyone got the correct email for LV? I have had trouble finding it online. I don't have any great hopes for compensation but feel I might get a modest sum.

Interesting that the MID was down, I thought that may be BS.

Compensation is only payable when there is a financial loss to you.  I don't see why other people paying for their insurance should have to pay to give you some money for nothing

Aretnap

ontheroad1970 said:

bertiewill said:

Fair enough guys. Thanks for your comments.

I'll put in a complaint. Anyone got the correct email for LV? I have had trouble finding it online. I don't have any great hopes for compensation but feel I might get a modest sum.

Interesting that the MID was down, I thought that may be BS.

Compensation is only payable when there is a financial loss to you.  I don't see why other people paying for their insurance should have to pay to give you some money for nothing

There does not have to be a financial loss. It is perfectly possible to claim compensation for stress and inconvenience, or other forms of non-financial loss.

https://www.financial-ombudsman.org.uk/consumers/expect/compensation-for-distress-or-inconvenience

However for a case like this where the stress and inconvenience was minor, it is likely to be a few tens of pounds at most.

bertiewill

ontheroad1970 said:

bertiewill said:

Fair enough guys. Thanks for your comments.

I'll put in a complaint. Anyone got the correct email for LV? I have had trouble finding it online. I don't have any great hopes for compensation but feel I might get a modest sum.

Interesting that the MID was down, I thought that may be BS.

Compensation is only payable when there is a financial loss to you.  I don't see why other people paying for their insurance should have to pay to give you some money for nothing

If there is a financial loss then I would asking for a refund. Compensation is usually a payment received as recompense for a non financial loss/on top of the refund.

I still think it would be interesting to know what would have happened had I made a claim, especially a more complex one, larger amount/overseas incident etc. I guess that is a counterfactual which is hard to prove/examine further.

XRS200

bertiewill said

I still think it would be interesting to know what would have happened had I made a claim, especially a more complex one, larger amount/overseas incident etc. I guess that is a counterfactual which is hard to prove/examine further.

The claim would have been dealt with as normal.  From what you have said there was no issue with cover, only the database.

The cover was in force.

Car_54

XRS200 said:

bertiewill said

I still think it would be interesting to know what would have happened had I made a claim, especially a more complex one, larger amount/overseas incident etc. I guess that is a counterfactual which is hard to prove/examine further.

The claim would have been dealt with as normal.  From what you have said there was no issue with cover, only the database.

The cover was in force.

Indeed. The insurer would have checked their own records - no need for them even to look at the MID.

Aretnap

Indeed, there's no dispute that you had a policy, as evidenced by the fact that the insurer updated the MID as soon as you drew their attention to the error. An error on the database would not have affected any claim.

If you want to worry about "what if" scenarios, a better one would be being stopped by the police at some late hour because your car wasn't showing on the MID, nobody answering the phone at the insurer's office, and the police not believing that you were insured and seizing the car. You would have got that one sorted out eventually, but probably at significant expense and inconvenience, and that would have left you entitled to significant compensation from the insurer.

However compensation is supposed to reflect what actually happened as a result of the insurer's error, not what might have happened but didn't. And what actually happened was that you were a bit peturbed by a letter from the police, and had to waste a bit of time calling the insurer to get it sorted out.