insurance probs + police = me winning :) [update]

[mickfulton]

Before I start, I hate scumbo-uninsured drivers as much as the next man.

Got stopped at a police check point yesterday, routine stuff, just pulling every second car/bike/caravan. Police were nice enough, giving advice to me about biking, my insurance wasnt on their computer but they said as Im only insured two months i was prob okay, just hand in docs within a week............WRONG ............
I got insured in feb, and they took ages to send the docs to me so after complaining and confirming my address a million times on the phone they sent the docs special delivery. I had to sign for them and then rushed to post office to get taxed and didnt notice the address on the doc had wrong house number (i had to sign for it so assumed the address was ok, right ?)
So, the police said my bike insurance wasnt on their computer and have gave me a week to hand in docs, fine. Called insurance this morning and they said it was cancelled due to a non payment on march 5th. I have always had money in my account (just bought first house with missus and we use to one account for everything), so maybe the non payment was some sort of mistake (or even due to address mismatch, in hindsight). However, as the address was wrong i didnt get anything in writing about it.
They are looking into it and will call back. Anyone know if I can do anything, as its their mistake, and it appears am fucked as far as the police are concerned and will prob get fined or worse !!!!
Any help ???

Got it all sorted plus an apology, so the moral of the story is be persistant, as the first two agents i dealt with more or less told me to go fiddle with myself as I didnt have a chance !!!!

[mad4it028]

just go produce your certificate and say nothing thats what ide do
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always looking to buy bikes crashed ,unfinished projects,none runners pm me
currently riding kawasaki z1000 only bike ive ever loved

[Raffles]

[Paxovasa]

Can you not do an online check of the bank account and see if the payment was made?
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Suzuki GSF600 K3 (in the fastest colour, black).

[mad4it028]

no idea i normally carry my traders policy dont think they phone/radio it through?
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always looking to buy bikes crashed ,unfinished projects,none runners pm me
currently riding kawasaki z1000 only bike ive ever loved

[JP7]

I would suggest that you try and persuade your insurance company that the problem is their fault and ask them to send you a letter stating it was their mess-up that invalidated your insurance, not yours. This will hopefully prevent you getting prosecuted, but if you are, will provide a good defence.

It's difficult to see how the wrong address prevented payments being made. It could be the credit agreement didn't get set up if they had the wrong address for you.

However, be really careful with insurance companies in future. I always ensure payment has been taken, I have received my docs and the reg number on the policy is right. It's too easy for insurers to get it wrong and not accept blame.

Good luck!

[Pete.]

[JP7]

It might not be the wisest idea to present the cancelled insurance certificate to the police station. Most of them will now ring the Motor Insurer's Bureau (MIB) to check if it's still held.

[mickfulton]

the first two payments were okay and Ive always had atleast 1k in the account and have statemens to prove it, so i dunno why the 3rd payment didnt work

[Pete.]

That's as may be but the only other option is 'failing to produce'. What is there to lose from trying?
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Marmalade]

Take it in at 6pm on a sunday, bit of luck there will be nobody to ring at that time and get away with it, maybe 11pm on a saturday when they are too busy to give a toss could be a good time
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky

[JP7]

[Pete.]

[JP7]

Which is why your previous advice to negotiate with the insurers to provide cover is probably the best idea. Keep them on side because they won't hesitate to screw someone over, sadly.

[Pete.]

THe trouble is, I don't think there's much chance of an insurer restoring cover retrospectively even if it was their fault it was cancelled because they won't know if they will have any claims to cover that they wouldn't have otherwise had. In fact, it might even be illegal for them to do it. The best I think they would offer is to restore the insurance from the current date with no penatly to no claims.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Jim Mc]

It's also very common for people to sign up with insurance, receive the certificate and then cancel payment.

So producing a certificate won't be good enough either, must have valid entry on the insurance database.

[Easter Bunny]

[Rogerborg]

Show the docs. If Plod questions them, say nothing. Literally nothing. Admit to nothing, deny nothing. If they have a case against you, let them prove it.

In the meantime, all your communication with your insurer should be by recorded delivery.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[mickfulton]

Im waiting till i hear from carol nash insurance on monday, so will be leaving my bike at home and getting the train with the rest of the 'public' for now...better dust of me ipod, purely to drown out every other persons tinny headphone techno

[hornetmike]

[Kickstart]

Hi

If the insurance has been cancelled then the certificate must be returned. If not returned then not sure that legally the insurance has been cancelled. Failing to return it is an offense though.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[G]

[Azonicben]

Have you checked askmid? Might be worth it

https://ownvehicle.askmid.com/
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Cbt-23/09/07.....Theory-16/09/08.....Das passed 10/10/08.....
Current bike- GsxR750 K4. Broken: Cbr400rr (Nc29) Sold: Hyosung GT125R

[owl10]

They never used to check the MIB in round here.

An aqauintance used to print his own insurance on a laser printer and take it in....

There is a get out clause for no insurance called special reasons. You can only ask for it once at court, and it'll get ajourned for another hearing. Its intended for people who drive company vehicles, who are told they are insured then it turns out their company hadnt insured them, and that kind of thing.

Doubt you'd have a case through it, but if it gets that far bear it in mind and seek proper legal advice from someone sat across a table from you, not an internet warrior.
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DanceLikeAMonkey says: "An infinte amount of web pages available
Yet I still end up reading crap like that"

[John933]

Short and curley's mate, Short and curley's.

The police look at it in black and white. Have you insurance? If not, no matter what the reason you are guilty. The up side is you may have a claim against the insurance company, putting you in that position. Talk to the insurance company say you may be taking action to claim back any loss you have suffered due to there neglect. See what happens
John999
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My trip