stopped by police

BMWZ4MC said:
Automatic renewal of a fixed term contact is unlawful in the UK (even though many companies still do it) so I'd be surprised if you had any insurance policy in place after the end date of your last policy. Hopefully the police will see that this was a mistake not a crime and not pursue it.
Click to expand...
Although with the newer (2011) continuous insurance enforcement (CIE) regulations the government put in place, most insurance companies are making these automatic renewals opt-out, rather than opt-in, to "avoid you accidentally breaking the law".

The first thing I do when I get my renewal notice every year is to call up, ask them if they're willing to negotiate, and then tell them not to automatically renew once they've told me they're sticking to their inflated renewal premium.

The other issue would may have - assuming the broker/insurer hasn't auto-renewed - is that you might also have a fine under the CIE laws.
 
budfox said:
Good to see that state surveillance is alive and kicking.

Meanwhile they'll be far worse crimes going undetected in all parts of the country. The sort that involve any kind of police effort.
Click to expand...

I'm sure you'll be the first to whine on this forum when your car gets written off by an uninsured driver.
Grow up 'bud'
 
Bing said:
It's hardly state surveillance anyway - almost every police car I see is fitted with ANPR, it just does it's job quietly whilst they're doing what they do... Catching criminals, enforcing the law, and incidentally keeping more of the people off the roads whose disregard for everyone else contributes to the increased insurance premiums we like to have a good moan about. In the OPs case it was an honest mistake rather than deliberate avoidance, but that doesn't mean he shouldn't have been pulled. If he'd crashed into you then you'd be a bit pissed to find out that he had no insurance, and would probably moan about the fact he wasn't caught despite there being so many ANPR cameras around...
Click to expand...



This :thumbsup:

My first car a 1967 Corsair 2000E was totalled by an uninsured driver. It was only a £200 (1974) car but it was mine.
It was Silver Fox with black vinyl roof and I'm still pissed about it after all these years :cry:
 
henry1 said:
I did realise that I would pay over the odds for my insurance, that is what has happened to me about 6 or 7 times in the past, the broker would say we will continue cover unless you advise otherwise and always more expensive than a new quote so due to my past experience I thought I was covered plus my collection of mail takes a search mission every time I come home.
So my main question is any chance the broker is going to issue an insurance from the 12 the April if I pay him the £675.00 late, if not at least I can save £420.00 towards the extra cost of the 6 points or the fine if I take the cheapest quote now.
henry1
Click to expand...

To be fair I've had this a few times. My current policy has auto renewed itself, money taken from the same card etc. I normally cancel within the 14 day window as, like you said, new policies are much cheaper.

Easy mistake to make, hope it sorts itself out and may pay dividends to get the missus to check your post in future???
 
No way can you ask a broker to back date a policy. That moves an error into a much bigger crime and implicating the broker too.

The insurance company behind the broker won't do it either as you might simply say you had the car stolen last week and would like a payout.

Do you really believe the police having seen you have no cover and seen all you have is a reminder won't do some more checking with the insurer to confirm cove recommended on June xx then do you and the broker.

Buy a policy, appear in court to plead the case, take the fine and points and learn from the mistake.


Sent from my iPad using Tapatalk HD
 
cj10jeeper's right.

Take the hit, apologise, explain your circumstances, learn from your mistake and move on. There's no point in trying to fraudulently get out of this, you'll just land yourself in more trouble.
 
If you appear in court, as CJ suggests, apologise profusely, explain the circumstances etc you may find they are lenient. Better to do that than try and cover your arse which just makes you look even worse.
 
Thanks again for all the answers, just to reply I was not trying to get the broker to backdate a policy I was trying to find out if it had been issued from that date awaiting payment.
Got through to the broker this morning, they would have auto renewed if I had been paying monthly direct debit but as I had paid all up front last time they do not hold card details in their system.
They tried to sell me a policy for £600.00, I politely declined and have a new policy via compare the market for £275.00 (same insurer as my broker offered).
So next week throw myself on the mercy of the courts.
Will let you know the outcome.
henry1
 
henry1 said:
Thanks again for all the answers, just to reply I was not trying to get the broker to backdate a policy I was trying to find out if it had been issued from that date awaiting payment.
Got through to the broker this morning, they would have auto renewed if I had been paying monthly direct debit but as I had paid all up front last time they do not hold card details in their system.
They tried to sell me a policy for £600.00, I politely declined and have a new policy via compare the market for £275.00 (same insurer as my broker offered).
So next week throw myself on the mercy of the courts.
Will let you know the outcome.
henry1
Click to expand...

Will you have to tell your new insurers once you are convicted?
 
ben g said:
Brasseye said:
inkey$ said:
Pay the £675.
Click to expand...

yes pay the insurance which will date from renewal
Click to expand...

No it won't :lol: terrible advice.
Click to expand...

Agreed. You've done the right thing taking the cheaper insurance of £200 or whatever it was. You weren't insured at the time, so there's no point paying more to still get a fine and points. Take your new certificate to the station so you can show your covered now and take the points and a fine. I doubt it'll go to a magistrate as there's nothing malicious going on, unless you've already got a fair few points. It'll just be a FPN - 6 points and £200-£300 fine, can't remember which.
 
Brasseye said:
If the renewal will run from the quoted dates Id pay the £675 rather than being not insured on paper
Click to expand...

It won't run from the quoted date as there was no insurance as it wasn't paid for, just a renewal notice which isn't a certificate of insurance
 
AndyBeech said:
Brasseye said:
If the renewal will run from the quoted dates Id pay the £675 rather than being not insured on paper
Click to expand...

It won't run from the quoted date as there was no insurance as it wasn't paid for, just a renewal notice which isn't a certificate of insurance
Click to expand...

but when i have renewed two weeks late as was away,noticed the policy started from when the old expired not from the date I paid,bit cheeky I thought at the time.
 
Brasseye said:
AndyBeech said:
Brasseye said:
If the renewal will run from the quoted dates Id pay the £675 rather than being not insured on paper
Click to expand...

It won't run from the quoted date as there was no insurance as it wasn't paid for, just a renewal notice which isn't a certificate of insurance
Click to expand...

but when i have renewed two weeks late as was away,noticed the policy started from when the old expired not from the date I paid,bit cheeky I thought at the time.
Click to expand...

I think the difference here is you were 2 weeks late and am sure insurance companies have a tolerance to allow payment to come through. Naturally as the policy never ceased they made it run from the earlier date as you were on cover throughout. Would have been interesting if you crashed the car in the period and claimed to see if they rapidly cancelled..

OP went from April 12 to June 13, so clearly by then the policy was long cancelled, dead and am sure the broker advised. They would never backdate once cancelled.
 
You must log in or register to reply here.
Back
Top Bottom