Mib requested insurer details

Peacewalk

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.

How would we lie! I am asking so I understand the situation better even though it's not my intention.

Peacewalk

DullGreyGuy said:

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. 

Yes was insured till the day before the accident as planned to leave the car in Africa.
Ferry was from Spain to Africa

Peacewalk

paul_c123 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.

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

Hi again,
How is it handy to be in Africa! Which we are. Thanks 

DullGreyGuy

Peacewalk said:

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.

How would we lie! I am asking so I understand the situation better even though it's not my intention.

By making up the fact you were insured by some random company and giving a made up policy number or claiming the policy you did have had an expiry date later than it was... people often do silly things when they realise they've made a big mistake. 

Peacewalk said:

paul_c123 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.

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

Hi again,
How is it handy to be in Africa! Which we are. Thanks 

That debt collection against you will be more difficult if you are resident of an African country rather than the UK

Ayr_Rage

Still unclear as to the actual location of the accident.

Was it in the UK or Spain.

Your lie, "I thought I was insured until dd/mm/yy but I was mistaken and my insurance expired the previous day"

teaselMay

All you can reply is that you weren't insured on the day of the accident. 

How come MIB is involved? Was the other car UK registered too?

paul_c123

I imagine what will happen is the other party (or their insurer) will eventually find out enough details to issue court proceedings against you (they seem to already have your name and address, since they've written to you). Then they'll take action to sue for the losses. In your absence a court judgement will be made, then further action may be taken to seize assets in the UK (for example, do you have any bank accounts in the UK? Employment? Land or house or possessions?)

If you are now permanently in Africa and never need to travel back to the UK, I doubt they will be able to pursue a UK court judgement in your country.

Do you have any family, eg elderly relatives, you might need to visit at any point in the future?

DullGreyGuy

teaselMay said:

How come MIB is involved? Was the other car UK registered too?

Assuming it was a Spanish registered vehicle then the normal process would be that the third party insurer contacts the Spanish equivalent of the MIB who contacts the UK MIB given the OP's car is UK registered. They would ordinarily have just replied saying the vehicle is insured with ABC under policy number 123 and the Spanish Handling Agent is XYZ. 

Obviously in this case the MIB has checked its records and found no valid insurance was in place according to its DB hence has reached out to the OP for clarification. 

A UK based insurer wouldnt normally involve the MIB when both vehicles are UK registered. 

Peacewalk

user1977 said:

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?

I really don't know. I am a novice to it all and really would appreciate your kind advise.

Peacewalk

teaselMay said:

All you can reply is that you weren't insured on the day of the accident. 

How come MIB is involved? Was the other car UK registered too?

MIB said it's their legal responsibility to share details with car registered in the UK!!