Mib requested insurer details

Peacewalk

First post so please be gentle.
Hi Guys,
We have been asked to provide insurer details by MIB.
We did have a valid insurance while driving but It expired while we waited for an unexpected delay by the ferry company. The delay was from 7pm to 11am next day. I was travelling with mg disabled wife and 2 small children overnight where we didn't have food and it was chaos throughout. There was no clear information from the ferry company either. We couldn't renew the insurance at that time or anything. Due to stress of family and children. In the morning the parking attendant guided us to move forward and when we did another car from another lane came and hit us. The attendant refused responsibility.
FYI: As we were travelling to Africa our intention was to take a valid insurance when we get there and then spend the car as it was to stay there while we come back.
 Now the MIB asking for insurer details.
What is the best thing to do now!
Thanks a million for not criticising and being constructive 

MattMattMattUK

Peacewalk said:

First post so please be gentle.
Hi Guys,
We have been asked to provide insurer details by MIB.
We did have a valid insurance while driving but It expired while we waited for an unexpected delay by the ferry company. The delay was from 7pm to 11am next day. I was travelling with mg disabled wife and 2 small children overnight where we didn't have food and it was chaos throughout. There was no clear information from the ferry company either. We couldn't renew the insurance at that time or anything. Due to stress of family and children. In the morning the parking attendant guided us to move forward and when we did another car from another lane came and hit us. The attendant refused responsibility.
FYI: As we were travelling to Africa our intention was to take a valid insurance when we get there and then spend the car as it was to stay there while we come back.
 Now the MIB asking for insurer details.
What is the best thing to do now!
Thanks a million for not criticising and being constructive 

You tell them you were uninsured, because you were uninsured, and the legal process will take it's course.

Ayr_Rage

You have two choices, tell the truth or lie, it really is that simple.

If undertaking a trip of that length you should've sorted all your insurance well in advance.

DullGreyGuy

Peacewalk said:

First post so please be gentle.
Hi Guys,
We have been asked to provide insurer details by MIB.
We did have a valid insurance while driving but It expired while we waited for an unexpected delay by the ferry company. The delay was from 7pm to 11am next day. I was travelling with mg disabled wife and 2 small children overnight where we didn't have food and it was chaos throughout. There was no clear information from the ferry company either. We couldn't renew the insurance at that time or anything. Due to stress of family and children. In the morning the parking attendant guided us to move forward and when we did another car from another lane came and hit us. The attendant refused responsibility.
FYI: As we were travelling to Africa our intention was to take a valid insurance when we get there and then spend the car as it was to stay there while we come back.
 Now the MIB asking for insurer details.
What is the best thing to do now!
Thanks a million for not criticising and being constructive 

So you were insured by a UK company until the day before and the accident occurred whilst getting onto the ferry in the UK?

Assuming the answer to both of the above are yes then you answer them as above, you give them the insurance details of the policy that expired the day before and admit that there was no valid insurance on the vehicle at the time of the collision. 

UnsureAboutthis

Ayr_Rage said:

You have two choices, tell the truth or lie, it really is that simple.

If undertaking a trip of that length you should've sorted all your insurance well in advance.

What would one say if they were to "lie" and how would this be supported by documentation etc?

Best to be honest,

"length of trip" is irrelevant unless you are taking the car a few houses down the road as a car can breakdown etc at any time or be involved in an incident.

I'm not sure what kind of answer you want OP but what do you think the options are for having no valid insurance

Either way, I hope it is all sorted as you have a lot on your plate.

Car_54

The OP says "another car from another lane came and hit us", which implies that the other driver was at fault.

If the OP was not at fault, then the fact that he was uninsured is irrelevant.

He is, however, guilty of a criminal offence. Or two.

UnsureAboutthis

Car_54 said:

The OP says "another car from another lane came and hit us", which implies that the other driver was at fault.

If the OP was not at fault, then the fact that he was uninsured is irrelevant.

He is, however, guilty of a criminal offence. Or two.

It is not "irrelevant" as ATM it is his word against the other.

paul_c123

Car_54 said:

The OP says "another car from another lane came and hit us", which implies that the other driver was at fault.

If the OP was not at fault, then the fact that he was uninsured is irrelevant.

He is, however, guilty of a criminal offence. Or two.

He may still be in Africa, which is handy (unless he needs to visit the UK at any point in the future).

Car_54

UnsureAboutthis said:

Car_54 said:

The OP says "another car from another lane came and hit us", which implies that the other driver was at fault.

If the OP was not at fault, then the fact that he was uninsured is irrelevant.

He is, however, guilty of a criminal offence. Or two.

It is not "irrelevant" as ATM it is his word against the other.

Read my post again. The first word was "If".

It is also irrelevant in apportioning fault.

Peacewalk

Thank you guys for all the insights.
Like I said the idea was we will leave the car in Africa so we wanted to insure it in there rather than having it insured with a UK insurer who rarely covered any countries in Africa. That was the whole idea. Of course we appreciate anything can happen anytime and that's what has happened.
To answer some the questions you asked
Yes it was insured until the sau before the accident.
We were getting in the ferry from Spain to Africa.
Also the car is in Africa as intended and we don't have any intention to bring if back to the UK.
As someone pointed out truth or lie. What did you mean by lie?
What could happen as a consequence?
Thanks again 

user1977

Peacewalk said:

As someone pointed out truth or lie. What did you mean by lie?

Well what options were you considering as a response to the question about who your insurer was?