HELP PLEASE! CAR CONFISCATED!
19 August 2013, 09:02 PM
#62
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You are wrong, it is totally possible to freeze your policy but only up to a month, no more than that. you still have to pay for the month tho. I knoiw for a fact because i did that to my insurance.
Last edited by steveuk260; 19 August 2013 at 09:11 PM. Reason: personal experience
19 August 2013, 09:37 PM
#63
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The only real database is the Police National Computer 'PNC', this is what the insurance companies information is migrated to!
When the information isn't on there, MIB are contacted to speak directly with the insurance company!
Don't know where you get your info from, but it's wrong!
When the information isn't on there, MIB are contacted to speak directly with the insurance company!
Don't know where you get your info from, but it's wrong!
Last edited by IggyRB320; 19 August 2013 at 09:38 PM.
19 August 2013, 09:38 PM
#64
19 August 2013, 09:42 PM
#66
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I sold my RB to a buyer in Europe recently & when I informed the insurance company, they said even though i'd sold it... should it be in a collision whilst i'm still insured on it, my policy 'could' be liable for claims.
So they told me to give them a ring & inform them i'd transferred ownership ASAP once sold!
So they told me to give them a ring & inform them i'd transferred ownership ASAP once sold!
19 August 2013, 09:50 PM
#67
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A few years back i was insured with swift cover and litterally 2 weeks before the policy was up i sold the car.
Coincidentally they phoned the very next day to see if i wanted to renew the policy and when i said no, i sold the car yesterday the ***** cancelled my current policy there and then due to me not owning the car anymore. I was 2 weeks off another year NCB and never got it!
Coincidentally they phoned the very next day to see if i wanted to renew the policy and when i said no, i sold the car yesterday the ***** cancelled my current policy there and then due to me not owning the car anymore. I was 2 weeks off another year NCB and never got it!
19 August 2013, 10:01 PM
#68
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I could probably of worded what I meant better, it is my understanding that if you sell a car which you have insured then you must tell the insurance straight to avoid having two active policies on one vehicle, I always pay my insurance upfront in one go, so in the past if I have sold a car say with a few weeks left of my insurance I have "frozen" the insurance (basically told them I have sold the car but I don't want to cancel my insurance and lose a years ncb).
I've definately been able to do that with cars before but when I tried with my bike about 2 months ago I was told this wasn't possible unless there was 2 weeks or less left of my policy.
The main point being I was definately told by my insurer that it was against the law to have two policies active on one vehicle, this may have just been due to the fact that when you buy your insurance they always ask "are you the registered keeper and owner of the vehicle".
If you sell a car and don't update anything then surely your policy is void as the information is not up to date and correct.
Mick
I've definately been able to do that with cars before but when I tried with my bike about 2 months ago I was told this wasn't possible unless there was 2 weeks or less left of my policy.
The main point being I was definately told by my insurer that it was against the law to have two policies active on one vehicle, this may have just been due to the fact that when you buy your insurance they always ask "are you the registered keeper and owner of the vehicle".
If you sell a car and don't update anything then surely your policy is void as the information is not up to date and correct.
Mick
19 August 2013, 10:09 PM
#69
If you ask an insurer to 'freeze' a policy they'll assume you want to stop the cover for a period of time, then carry on with it (ie pay for a year, use 6 months, freeze it for a month, then carry on with the remaining 6 months). This can't be done. Or at least I've never come accross it, and we do get asked about doing this from time to time.
Most insurers will use common sense and allow the policy to continue if you've sold one car, and aren't swapping to a replacement vehicle for a few weeks.
Most insurers will use common sense and allow the policy to continue if you've sold one car, and aren't swapping to a replacement vehicle for a few weeks.
19 August 2013, 10:19 PM
#71
Most insurers will allow 14 days(ish) overlap, but as far as I know it's illegal to have two annual policies running on a vehicle.
Otherwise someone could set up three policies on a £10k car, claim on all three policies, and end up with £30k.
(As far as I know anyway)
Otherwise someone could set up three policies on a £10k car, claim on all three policies, and end up with £30k.
(As far as I know anyway)
19 August 2013, 10:24 PM
#72
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I got told it wasnt illegal but insurance companies dont allow it. So u wouldnt get in trouble with the police for having it but if you tried to claim u would likely get nothing. Or if the company found out they would void the policy.
19 August 2013, 10:32 PM
#74
TBH I don't know if its technically illegal or just not allowed.
I was told many years ago that it was illegal, but I wouldn't be 100% confident to say that is definitely correct.
It's definitely illegal to claim on two seperate policies for the same car though
I was told many years ago that it was illegal, but I wouldn't be 100% confident to say that is definitely correct.
It's definitely illegal to claim on two seperate policies for the same car though
Last edited by Moley; 19 August 2013 at 10:38 PM.
20 August 2013, 01:01 AM
#75
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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!!
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!!
I also presume that as long as the police 'have reasonable doubt' that he had a valid insurance policy that provided 3rd party cover then they are covered for confiscating the vehicle, on the basis that they were reasonable in their belief that allowing the op to continue driving would have seen an offence ( ie. driving without a valid certificate of insurance/insurance cover) committed.
However, good point about damage.
In order to make only a single post I'll also say this:
UNLESS the insurance underwriter (not broker) specifically states that cover ceases as soon as the policy holder ceases to be the registered owner or keeper of the specified vehicle then that policy remains in force, including any 3rd party cover provisions.
Which it appears is exactly what has happened in this case.
20 August 2013, 01:12 AM
#76
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The only real database is the Police National Computer 'PNC', this is what the insurance companies information is migrated to!
When the information isn't on there, MIB are contacted to speak directly with the insurance company!
Don't know where you get your info from, but it's wrong!
When the information isn't on there, MIB are contacted to speak directly with the insurance company!
Don't know where you get your info from, but it's wrong!
This site gets worse. As I said from the horse's mouth!
20 August 2013, 10:47 AM
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20 August 2013, 12:10 PM
#81
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Lucky I checked the policy on my car. Did an online quote in the morning and set a start date of the 23rd of August, as I didn't know if I would be buying the car.
I decided to buy the car so rang the insurance company to start the policy. I said more than once that I would be driving the car home so needed Policy to start there and then.
All agreed, paid money and I drove home.
No documents arrived for several days, so I called to check. Turns out that the numpty on the phone had left the start date on 23/08! So I had no insurance!
He couldn't amend the policy either. They had to cancel said policy, re-quote and re-charge!
I had the refund for the first policy back in my account the next day but what **** up that was!
So I seriously doubt that they can 'freeze a policy'. You take a contract out with them that runs from 'X' date to 'Y' date.
Wish I could ring my bank up and ask them to freeze my mortgage for a couple of months as I'm off travelling!
(Just want to point out that the insurance company was not Keith Michael - Would have loved to come back to you Gary but I knew you wouldn't get anywhere near the £240 I was quoted.)
I decided to buy the car so rang the insurance company to start the policy. I said more than once that I would be driving the car home so needed Policy to start there and then.
All agreed, paid money and I drove home.
No documents arrived for several days, so I called to check. Turns out that the numpty on the phone had left the start date on 23/08! So I had no insurance!
He couldn't amend the policy either. They had to cancel said policy, re-quote and re-charge!
I had the refund for the first policy back in my account the next day but what **** up that was!
So I seriously doubt that they can 'freeze a policy'. You take a contract out with them that runs from 'X' date to 'Y' date.
Wish I could ring my bank up and ask them to freeze my mortgage for a couple of months as I'm off travelling!
(Just want to point out that the insurance company was not Keith Michael - Would have loved to come back to you Gary but I knew you wouldn't get anywhere near the £240 I was quoted.)
20 August 2013, 12:49 PM
#82
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let me say it again you can freeze policy, i know. i have done it, it was with quinn direct, i had avensis crashed it, told them i scrapped it and that i will be looking to buy another car, so i wanted to freeze policy till i get another car, so they removed my avensis off the MID database, and left insurance running, so when i got another car a 3 weeks later i called them up and they just put the new car on same policy that i had on avensis. so basically i lost 3 weeks insurance but i still accumulated NCB on the policy.
20 August 2013, 12:52 PM
#83
let me say it again you can freeze policy, i know. i have done it, it was with quinn direct, i had avensis crashed it, told them i scrapped it and that i will be looking to buy another car, so i wanted to freeze policy till i get another car, so they removed my avensis off the MID database, and left insurance running, so when i got another car a 3 weeks later i called them up and they just put the new car on same policy that i had on avensis. so basically i lost 3 weeks insurance but i still accumulated NCB on the policy.
so if you lost 3 weeks it wasn't frozen
it was still running.
20 August 2013, 12:55 PM
#84
So your policy ran for 55 weeks, as there was a 3 week 'freeze' in the middle? That would be freezing a policy.
From your description you simply had the policy run for the 12 month period, but for 3 weeks they were aware the car had been scrapped and the new car wasn't on there yet.
That isn't freezing a policy.
From your description you simply had the policy run for the 12 month period, but for 3 weeks they were aware the car had been scrapped and the new car wasn't on there yet.
That isn't freezing a policy.
20 August 2013, 01:49 PM
#87
That's not what most people (that i speak to anyway) class as freezing a policy.
People who ask us about freezing a policy want to use 6 months cover, freeze it for two months, then use the remaining 6 months after (for example)
This CANNOT be done.
20 August 2013, 03:34 PM
#90
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some lenders will actually let you take a payment holiday for a couple of months, but the rest of the monthly payments on your term will go up to cover the ones you didnt pay.