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Caught driving without insurance, Insurer didn't auto-renew as they have on previous years
baklava
post Sat, 17 Feb 2018 - 14:45
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Hi All

Thanks in advance if anyone can give me any advice. I'll try to describe the situation as concisely as possible.

Wife stopped by a police officer for no insurance. We thought we had - but on checking our emails, we found that it has indeed lapsed. We rang the insurer - who have always previously auto renewed - and they told us that the reason it hadn't done so this time was because we paid with a 3rd party's credit card (I paid, and it's my wife's policy). We weren't warned that would be the case when we paid that way.

Officer said he had no discretion, and had to give a ticket, the only discretion he could show was in not impounding the car - we would instead allow it to be driven home, and he would follow in his car. In the end, he didn't actually follow home. He got separated at a junction, and never then turned up. I am utterly bemused by this one - surely he can't let her drive it uninsured still once it's known? I had expected to have to go out to them and collect the car with my 3rd party insurance.

The ticket given states a "Y001" offence code, which I have not heard of before. I had assumed IN10. It says wait 3 weeks for a letter (presumably an NIP) and ring them if it doesn't appear.

Any thoughts on our options? Legally speaking, I'm sure that the admin error nature (and that at least some of the fault is with the insurer) holds no water.

If we're offered a fixed penalty, will it definitely be £300 and 6 points? Or can it vary?

If we are, is there any hope at all with going to court and explaining the situation (the renewal time also happened right while we were moving house. Another excuse which makes no difference legally, but can you expect sympathy?)
Or will they be more likely to increase it for wasting their time?

Again, thanks for any advice. I suspect we've no options, but I didn't want to just assume when others might know better.


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post Sat, 17 Feb 2018 - 14:45
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notmeatloaf
post Mon, 19 Feb 2018 - 16:34
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QUOTE (StuartBu @ Mon, 19 Feb 2018 - 16:08) *
QUOTE (notmeatloaf @ Mon, 19 Feb 2018 - 14:34) *
I know hindsight is a wonderful thing but I would never contemplate paying for something like car insurance or home insurance via direct debit where the consequences of a failed payment, for whatever reason, are so high.

You can bet if your home burns down and you've missed last month's payment they're not going to be "Oh well, mistakes happen, here's £xxx,000 anyway. Put it on a credit card and pay that off throughout the year if need be.

I appreciate that insurers actively encourage direct debit payment though, and as it is offered more and more there really needs to be better safeguarding processes in place. To be fair we've just renewed our car insurance through Aviva on an annual direct debit and they sent two letters and called the day before to check we were happy to continue.


So you dislike monthly direct debits but you've just paid your insurance by an annual direct debit so what happens at renewal time .....better make an entry on your Diary or your 'phone to check at the time .

It is quite obviously easier to check one direct debit, shortly after receiving a renewal letter, than twelve throughout the year.
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StuartBu
post Mon, 19 Feb 2018 - 17:06
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QUOTE (notmeatloaf @ Mon, 19 Feb 2018 - 16:34) *
It is quite obviously easier to check one direct debit, shortly after receiving a renewal letter, than twelve throughout the year.


It is but it's a good idea to check your Bank a/c very regularly just to watch for anything untoward . I have paid numerous things by DD including Car Insurance for many years and have never had any issues .
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Tartarus
post Tue, 20 Feb 2018 - 09:55
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^ this. I am usually checking my bank and credit card transactions online once or twice per month to make sure nothing untoward has been going on, and what's going in/out is correct.
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notmeatloaf
post Tue, 20 Feb 2018 - 10:44
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That is fine if you have a cushion, or an offset mortgage. There are plenty of people who have bank accounts very close to £0 a lot of the time.
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The Rookie
post Tue, 20 Feb 2018 - 13:45
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So have a pre-arranged overdraft of more than you actually need, for Justin......


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notmeatloaf
post Tue, 20 Feb 2018 - 14:59
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Do you think people living hand to mouth have a credit rating that will get them one?

One of my colleagues, single mum, deadbeat dad, no child support. Lives in the middle of the countryside because it was the only place she could get without a guarantor. Needs car to get to arrange both childcare and work.

She is forever juggling money but doesn't always get it right because any unexpected cost means cutting something else. It's people like that most tempted by the insurance "only 19.9% monthly payments" even though ironically it is probably least suitable for them.
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