Mib requested insurer details

Peacewalk

Ayr_Rage said:

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"

Location of accident was Spain

Peacewalk

paul_c123 said:

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?

Yes we do.
It's MIB that contacted me not the other party. As I suppose the other party insurer contacted them for details

Herzlos

Did you prevent your UK insurance auto-renewing?

If not, then I think you'd need to respond that you didn't have insurance.

Should any prosecution come then you can argue that your requirement to have insurance was frustrated by the delay in the ferry leaving and an inability to sort something else. Though that might be a hard sell since you can renew or take out insurance online.

Nobbie1967

OP, did you fill out any paperwork to permanently export the car? If so, the lack of insurance in the U.K. may not be an issue. If not, I expect DVLA will be in touch as your U.K. registered car is no longer insured in breach of the continuous insurance requirement irrespective of it’s location. Suspect you may have committed an offence in Spain by not having insurance online Spanish territory, but unless the police were involved they probably won’t pick up on it.

Arunmor

Which country was the car that hit you registered?

Voyager2002

Did the insurance have a 'force majeur' clause?

With travel insurance, for example, if something happens to keep you abroad after the expiry date of the insurance, cover is extended until the first possible date on which you could get back to the UK. Did your insurance have a similar provision?

Car_54

paul_c123 said:

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?

The collision was in Spain. There's been no suggestion that the TP was British. Why then would action be taken in a British court?

Peacewalk

Arunmor said:

Which country was the car that hit you registered?

Spain on ferry

paul_c123

Just to be clear, did you hit the other car whilst on the ferry?

DullGreyGuy

Car_54 said:

paul_c123 said:

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?

The collision was in Spain. There's been no suggestion that the TP was British. Why then would action be taken in a British court?

The action wouldnt be but the MIB still has obligations in relation to identifying the insurer for vehicles registered and/or insured in the UK

Even if the action is in overseas countries the UK hasn't moved so far from the EU that cross border debt recovery is impossible.