alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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I was told this about 45min ago by two of Scotland's finest and promptly started making buttons in my pants, my car also isn't coming up on askmid. I had no clue at all why it's coming up uninsured but also couldn't remember what company I'm with  Thankfully the two officers were pretty understanding and only gave me a HORT1 which means I have 7 days to gather proof that I do have cover then take it to the nearest station.
I got in the house and straight on the e-mails to look up my company's name. Right sorted, phoned them up to be told everything is as it should be. They're not looking for documentation, proof or payment and my insurance is running as it should be. I'm relieved at this point but don't really understand why it's not coming up on askmid in that case. The guy on the phone asks if it's still P635 U.... shit  I got a private numberplate for Christmas and the insurance don't know. It was my mum who got it and assured me that 'she would take care of all the documentation so that I can just stick it on the car'.
I realise it's my own fault for not telling my insurance company so promptly changed it over the phone, much to the guy's amusement. I asked if he could send me a copy of two cover notes, the first denoting the fact the car has technically been insured all this time, and the second showing a change of numberplate from today.
I'm expecting them to be pretty understanding about the whole thing since at the end of the day I had insurance, just the wrong plates on. Anyone had a similar experience?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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You'll get points
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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Not sure if you would be covered for the time you hadn't declared the change of reg plate
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sc0ott
Member
Registered: 16th Feb 09
User status: Offline
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Car was insured but the plate wasnt. Instant ban and a 500 quid fine for that.
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big eck
Member
Registered: 20th Apr 03
Location: Tullibody. Drives - Audi B8 S4 & Fiesta Zetec-S
User status: Offline
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I have. I was stopped one night be the cops and told that my car was coming up as no insurance. It was down to the private plate. I said that the insurance mustn't have updated there system yet and they said that it was ok and I was sent on my way after a few checks.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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quote:
Originally posted by sc0ott
Instant ban and a 500 quid fine for that.
Your experience or you've read it somewhere?
Instant ban for IN10 which carries a guideline 6-8 points does seem harsh.
I personally don't feel the car is uninsured, if the insurer is happy to issue the note then in my mind there is a policy in place.
I'll await the outcome of producing but I can't see how you've got an offence there when the insurer is willing to cover it.
[Edited on 27-02-2014 by Ian]
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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These are my thoughts Ian, if I'm getting charged with anything it should be displaying an incorrect numberplate. The car itself is insured, if I got out there and put the old plates on it's instantly legal... I'll have to see what they say anyway
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Plate has been changed though? Isn't that the reason the insurance didn't show?
So the car records are in order - VIN matches plate - tax carries current plate - just the insurer's records not in order and they're willing to rectify.
Different story if they weren't but you've had a good day on the phone to that guy.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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Well, it would have been legal up to this morning when I changed it. Now the car is fully insured for the private plate
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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quote:
Originally posted by Ian
Plate has been changed though? Isn't that the reason the insurance didn't show?
So the car records are in order - VIN matches plate - tax carries current plate - just the insurer's records not in order and they're willing to rectify.
Different story if they weren't but you've had a good day on the phone to that guy.
Correct, tax disc has been changed to the private plate and everything.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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The insurance will change it from an retrospective date.
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sc0ott
Member
Registered: 16th Feb 09
User status: Offline
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I was only joking, i have no idea what the outcome will be.
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Aleex
Member
Registered: 21st Jul 09
Location: Plymouth
User status: Offline
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you'll be fine.
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Oh shit, changed my plate and didn't tell insurance! Best ring now, cheers Alan 
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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I guess technically it's uninsured but to recieve an in10 you have to goto court and get to speak to someone normal who I can't see following though with the points.
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Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
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:laugh:
[Edited on 27-02-2014 by Generation]
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Sorted, fuckin £26 admin fee tho for a few key presses. Private plates are such a financial burden Mine rocks tho.
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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PSTFU?
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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No worries mate its easily forgotten... that's my story and I'm sticking to it anyway lol.
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MatthewR
Member
Registered: 21st Oct 02
Location: Rickmansworth
User status: Offline
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If you actually believed and trusted a woman to take care of all the docs then you deserve points 
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by Gary
PSTFU?
damn right
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FlaFFy_91
Premium Member
Registered: 30th Sep 08
Location: Formby, Merseyside
User status: Offline
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Would of thought you will get done for no insurance? Yes the cars insured but if you coshed it and did a runner they wouldn't be able to trace it through the plate?
Think it's a thin line your on between getting let off and getting points/ban :/
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andy1868
Member
Registered: 22nd Jun 06
Location: Burscough, Lancashire
User status: Offline
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i got pulled a few years back for having no insurance. Turns out the insurance company had the wrong reg for me (2 letters the wrong way round) and provided me with a letter stating that i was in fact insured with them on the date in question. Earlier on in the day i had added business use to the policy over the phone and they had misheard or mistyped the reg. The situation went away when i took the document to the police station.
I'm not sure how it'll pan out if technically it's your neglect, but if they're willing to give you the document saying you were insured on such a vehicle on such a date then you're sorted.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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Just back from the cop shop. Went to the counter, guy came out, looked at both cover notes I had printed out, I explained I had been a fanny and he told me it's fine and he's quite content that the car has been, and is, insured. Happy days.
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