53

iTrader: (41)

Do it yourself www.askmid.com

DemonDave

iTrader: (13)

I would guess as you don't own a a vehicle there is no insurance.

On your insurance it will say - "is the legal owner and the registered owner" of your subaru, when you have signed the V5 to say there is a new owner - you are no longer the owner and therefore not insured on that car and therefore no 3rd party cover.

Insurers are clamping down in this area to stop young drivers insuring cheap cars to get 3rd party cover on my expensive vehicles.

You cancellation notice from the insurers could be crossing over in the post. But you are in breach of the facts you provided to your insurers ie an owner of a car.

The owner of the merc should be able to collect the car because he will have insurance to drive it away.

BigZee87

iTrader: (3)

i have already checked the mid but it will say that the car is insured as the new owner has insured it. surely whilst the policy was still active there should be 3rd party cover though?

Steve_PPP

iTrader: (3)

Surely if you no longer own the car you bought the insurance for, as you haven't transferred it to another car (as you haven't got one yet) then the insurance is void as there is no car for the policy to provide standard cover on - let alone you still having your cover to drive other vehicles 3rd party?

DemonDave

iTrader: (13)

And I would guess that the police did not check the MID as that is for vehicles only - they might have had a direct number to your insurers even at the weekend

DemonDave

iTrader: (13)

Check your insurance documents the words - "is the legal owner and the registered owner" will be contained - you have no car so no insurance

53

iTrader: (41)

Check the Merc you div

DemonDave

iTrader: (13)

+1 - the merc still must have full insurance if your third party is active

BigZee87

iTrader: (3)

As stated the merc has insurance. The only thing I can do is contact sky tomorrow I hope its as moley said and a glitch in the police database. I will let everyone know tomorrow anyway. Nothing mote I can do for today

53

iTrader: (41)

Have you checked the database ?

Worlasshasansti

I asked my insurer about this recently when I was considering selling my bike, they told me that I MUST inform them immediately once I sold the bike as it was an offence to have two policies covering one vehicle, I was just wanting to "freeze" my policy so I could let it run for a few weeks to collect that years ncb but was told that it would be possible.....think they might have been having my pants down as I'm sure I've done this on a paid upfront car policy before.

Mick

Moley

iTrader: (9)

It's not possible to freeze a policy

BlueBugEye

iTrader: (12)

Can you be coved 3rd party on any car using a policy for a car you don't own anymore? If so wouldn't people just insure the cheapest car they can imagine then use the 3rd party covet on that (assuming the car was not in their name).

Henrik

iTrader: (5)

Yeah but then you might as well just insure the more expensive car 3rd party and not have to pay tax + mot + 2 lots of insurance, surely?

Insurance in the UK is such an annoying joke IMO. Back in Sweden we just used to insure the car, and then everyone could drive it - this named drivers stuff is a complete ball ache.

DemonDave

iTrader: (13)

Update ??

Moley

iTrader: (9)

Sweden doesn't have the personal injury problems that the UK has though.

BigZee87

iTrader: (3)

Update. Spoke to the insurance this morning and I am fully covered. I asked what to do as the car is sold but im going to switch it to another car and they said as long as it was soon thats fine and I dont need to worry about it. I am also still insured to drive 3rd party on anything.

There is 2 possible reasons for the mix up first is the insurance company has not updated the police database correctly so it looks like im not insured to the police and its the insurance companys fault.

The other thing which it could be is that the registered keeper of the car (the mrs's boss) is not well liked by the local fuzz for very silly reasons and they have seen an opportunity to cause some trouble for him so they have.

Either way im in the clear, just got to get the car back now which shouldn't be too much of a problem, just need to get the registered keeper to turn up with the docs.

Thanks everyone for the input, the more positive comments definitely helped me get a bit more sleep last night anyway.

tubbytommy

iTrader: (20)

hold on a minute, you have a policy on a car you have sold, presumably the new owner has insured the car.


if a claim is made you need both policys to split the cost which could be a pain in the *** for the new owner of your car and I bet he wouldn't be happy if he knew about it and also both no claims bonus would be effected in the result of any claim.

longun

Personally I'd be avoiding telling anyone the car that is 'insured' by you, you no longer own. Just produce all evidence to the police and leave it at that, chances are you'll get off and all fines/points dropped. I'm sure despite what the adviser on the end of the phone says that you won't be covered as you aren't insuring a car you own. Good luck

LuckyWelshchap

I don't think so.

It's not the car that's insured but the driver to drive the car, and the driver of the car at the time of any accident would be the liable party, not the 'innocent' one.

Addition: By that I mean that they 'come as a pair', with the human part's liability being covered by the insurance.

BigZee87

iTrader: (3)

Imjust relaying what I have been told. They said not to do anything until I insure the new one (will be today hopefully anyway)

What else would I do? Cancel the policy and get another?

All the police where worried about was they said they couldn't find my policy so I took in all the docs and they were happy with that

BigZee87

iTrader: (3)

Also apparently its NOT illegal to have 2 policys on one car. Its just a problem if there is a claim it can be messy.

DemonDave

iTrader: (13)

Well I am glad you got it sorted - but still surprised as you don't own the vehicle you are insuring - but it has ended well for you

LuckyWelshchap

Just guessing here, but I'd have thought that the MID wouldn't cater for more than one 'Insurance Details' per car - why would it ?

I'd lay odds that the new owner's insurance details replaced yours, hence it appearing that you weren't in possession of a valid insurance policy on it, and therefore didn't have 3rd party cover for any other vehicle.

I will say that this has been a useful thread though.
It'll remind me to carry my policy in any changeover period, just in case I get stopped.

hpoolsteve

iTrader: (4)

Wow you learn something new every day. I would have bet my house on the fact that you was NOT insured due to not owning the car anymore.
Why can't the younger folk just go and insure a clapped out banger that they dont own for pennies and build up there no claims. (extreme example i know)

longun

That's the thing they can't. Else we'd all be doing it.

The police won't have checked if he owned the car, simply that he was insured as far as the insurance company was concerned. Personally I think its a lucky escape but as things like this are normally an innocent mistake one with a happy ending

Busterbulldog

iTrader: (1)

My thoughts exactly,esp seeing as you can take out temporary insurance for as little as a day,I have done it with the car being insured separately by the reg keeper. Good result OP

f1_fan

iTrader: (9)

Wish I'd seen this last night. It's the insurance database the police use that's at fault. It doens't cater too well for you being insured without a car so in these changeover periods it tends to return uninsured due to the last vehicle on your policy being insured elsewhere.

As Moley says there's not really supposed to be a grace period, but there kind of has to be in the real world.

Glad you got it sorted and no points

IggyRB320

iTrader: (9)

Database has nothing to do with it. The Police use the same database all insurance companies sign up to & then if it's not on there, they check with MIB, who as long as it's in working hours (up to circa 9pm) they contact the insurance company direct!

If this doesn't work, due to being out of hours etc... a producer should be issued. Unless the driver admits to NOT being insured!!!!
If a vehicle is seized/recovered for no insurance & the driver proves at a later date they are insured, they can apply to the police force who did the seizure for a refund!

I'd also check for any damage caused during the process!!

f1_fan

iTrader: (9)

Yes it does. And that is from the horse's mouth so as to speak!