IN10 insurance was £390 now £3k+ help

Poshsalt

ok so I've had insurance for 20 years driving with 20 years NCB.

I have it on renew and today was out with my 2 year old and 90 year old mum, when pulled over, an police said I had no insurance, I said I had it for 20 years always paid, an it came up it had lasped and the payment had failed, an because I moved flats I didnt get any warning letters. Everyone has said dont go to court as its expensive £2k+. But now I look at insurance an on moneycompare its like £4,000!!.

I have 4 businesses, a 2 year old, I'm in a jam an dont know to do. 

Is there any insurance companies cheaper?

Flugelhorn

have you remembered to change the address on everything else now?  

DullGreyGuy

Poshsalt said:

ok so I've had insurance for 20 years driving with 20 years NCB.

I have it on renew and today was out with my 2 year old and 90 year old mum, when pulled over, an police said I had no insurance, I said I had it for 20 years always paid, an it came up it had lasped and the payment had failed, an because I moved flats I didnt get any warning letters. Everyone has said dont go to court as its expensive £2k+. But now I look at insurance an on moneycompare its like £4,000!!.

I have 4 businesses, a 2 year old, I'm in a jam an dont know to do. 

Is there any insurance companies cheaper?

Driving without insurance is a strict liability offence, there is no need for intent to be proven. There are only two defences to the charges, one that the vehicle was actually insured or two it is not your vehicle and you had every reason to understand it was insured. The later is normally used with a company car but others have used it with hire cars etc. 

As to cheaper companies? Maybe, you have to shop around like everyone else. In addition to the normal routes if you google in10 car insurance you will find some niche brokers that claim to be better for those with serious motoring convictions... if they are or arent you can only tell by getting quotes from them and comparing them to regular vendors.

Ayr_Rage

As above, you need to ensure that the vehicle V5C and your driving licence are updated with the correct address as there can be fines for that too.

Also, if you have any parking tickets etc they will have gone to the address of the registered keeper so check you old address for correspondence.

However, not noticing a missed payment for a major expense is pretty lax and as just about all insurers have your email as first point of contact, didn't you receive several emails asking you to pay and then advising it had lapsed?

Keep_pedalling

Ayr_Rage said:

As above, you need to ensure that the vehicle V5C and your driving licence are updated with the correct address as there can be fines for that too.

Also, if you have any parking tickets etc they will have gone to the address of the registered keeper so check you old address for correspondence.

However, not noticing a missed payment for a major expense is pretty lax and as just about all insurers have your email as first point of contact, didn't you receive several emails asking you to pay and then advising it had lapsed?

Even worse if they have a speeding NIP they have never responded too, which would get them a conviction for failing to supply driver’s details which would be another 6 points and a totting up ban. 

Poshsalt

Just in case anyone sees this, in same situation, manage to get insurance, tried Tiger and Performance Direct, they ended up giving me a better price than what I pay normal with no points.