Car Dealer 5 day drive away Insurance cover

WellKnownSid

Somebody repaired the OP's car.  I guess the next question is who - and who paid the bill?

Car_54

Mr.Generous said:

I've had new car cover because until you pick up a new car you can't insure it without a reg number and I didn't have one until day of collection. I Believe the dealer has the same issue with taxing the car - they have to provide insurance details.

They don't. That changed about 10 years ago.

Mildly_Miffed

DullGreyGuy said:

The MID should hold whoever, if anyone, was insuring the vehicle at the time including the policy number. 

Apart from what's effectively a short-term fleet policy possibly never being registered on MID, didn't the OP say to start with that Aviva had checked and could see no record of the car being covered at all from October to December, but it was covered before that?

Car_54

Mildly_Miffed said:

DullGreyGuy said:

The MID should hold whoever, if anyone, was insuring the vehicle at the time including the policy number. 

Apart from what's effectively a short-term fleet policy possibly never being registered on MID, didn't the OP say to start with that Aviva had checked and could see no record of the car being covered at all from October to December, but it was covered before that?

Before the OP bought it, the car would have been recoded at DVLA as "in trade". AFAIK there is no need for such vehicles to be insured.

Mildly_Miffed

Car_54 said:

Mildly_Miffed said:

DullGreyGuy said:

The MID should hold whoever, if anyone, was insuring the vehicle at the time including the policy number. 

Apart from what's effectively a short-term fleet policy possibly never being registered on MID, didn't the OP say to start with that Aviva had checked and could see no record of the car being covered at all from October to December, but it was covered before that?

Before the OP bought it, the car would have been recoded at DVLA as "in trade". AFAIK there is no need for such vehicles to be insured.

Not least because they can't be taxed, so shouldn't be on the road unless under a trade plate - which carries a requirement for insurance.

But my point was that, when the vehicle was purchased, we can't necessarily assume the five day freebie got as far as MID, even if it was in place.

Also, it sounds like that's already been checked...

DullGreyGuy

Mildly_Miffed said:

DullGreyGuy said:

The MID should hold whoever, if anyone, was insuring the vehicle at the time including the policy number. 

Apart from what's effectively a short-term fleet policy possibly never being registered on MID, didn't the OP say to start with that Aviva had checked and could see no record of the car being covered at all from October to December, but it was covered before that?

Most do register short term policies, looking at one temp car insurance provider they advise they update MID twice a day and the only policies they dont notify are those that have incepted and ended within the window between two updates. 

The OP did say Aviva had checked but as I also pointed out, historically Aviva was terribly fragmented and I'd had dozens, if not hundreds, of cases where MID stated Aviva was the insurer but Aviva stated they had no such policy until I randomly contacted the correct office and they confirmed it was them insuring it via some via some legacy scheme or such that isnt in one of their core systems. Certainly the random agent in policy admin would be highly unlikely to do a MID search when a customer calls, with us it was only the technical claims teams that had MID access.

Mr.Generous

Car_54 said:

Mr.Generous said:

I've had new car cover because until you pick up a new car you can't insure it without a reg number and I didn't have one until day of collection. I Believe the dealer has the same issue with taxing the car - they have to provide insurance details.

They don't. That changed about 10 years ago.

Ha ha, more than that since I last bought brand new. It was a 59 plate. I realised the error of my ways and the evils of depreciation....

paul_c123

Car_54 said:

Mildly_Miffed said:

DullGreyGuy said:

The MID should hold whoever, if anyone, was insuring the vehicle at the time including the policy number. 

Apart from what's effectively a short-term fleet policy possibly never being registered on MID, didn't the OP say to start with that Aviva had checked and could see no record of the car being covered at all from October to December, but it was covered before that?

Before the OP bought it, the car would have been recoded at DVLA as "in trade". AFAIK there is no need for such vehicles to be insured.

They need to be insured to go on the road; and they should be added to the MID.

paul_c123

Mildly_Miffed said:

Car_54 said:

Mildly_Miffed said:

DullGreyGuy said:

The MID should hold whoever, if anyone, was insuring the vehicle at the time including the policy number. 

Apart from what's effectively a short-term fleet policy possibly never being registered on MID, didn't the OP say to start with that Aviva had checked and could see no record of the car being covered at all from October to December, but it was covered before that?

Before the OP bought it, the car would have been recoded at DVLA as "in trade". AFAIK there is no need for such vehicles to be insured.

Not least because they can't be taxed, so shouldn't be on the road unless under a trade plate - which carries a requirement for insurance.

But my point was that, when the vehicle was purchased, we can't necessarily assume the five day freebie got as far as MID, even if it was in place.

Also, it sounds like that's already been checked...

A car "in the trade" CAN be taxed - using the new keeper slip.

A trade plate FIRST APPLICATION asks for "motor trade insurance" but it doesn't mean insurance is in place, for that car. Certainly, a blanket 5 day "customer free insurance" AFTER the sale of a car would be an additional extra, not a standard thing on a trade policy.

GrumpyDil

Surely OP needs to look into the repairs that were completed on their car as I wouldn't have expected anyone to organise those unless they were liable in some way? Start from the emails and see if the claim form they were sent to complete has a clue as to where it was being handled?