insurance/motor insurance database

Hi TW, what a ball-ache!!! I can imagine how you feel - can't resolve it and yet getting threatened with a DVLA fine -Bûgger !!!

Can you - ahem - mention it to your insurer and tell them to get their arse in gear?

 

This is something that has concerned me for a while.
Holding all this info on a large data base is OK as long as it's accurate.
Standing on the side of the road trying to convince a copper that you have got insurance/road tax could be a real ball ache.
If it's 8 o@clock on a Sunday morning and they can't get hold of DVLA etc where do you stand,and don't say on the side of the road.

 

Hi Steve and a Happy and Healthy New Year to you and yours. I completely agree with your sentiment but my guess would be that it's easier for the DVLA to fine an individual than an insurance company. I also wonder if the law was written such that it is the policyholder's responsibility to ensure the system is up to date - yes I know that sounds ridiculous,but who is the more powerful lobby, the insurance industry or an individual?

 

+1 on that Steve.

 

Dear Steve, get an empty glass, fill with your favorite tipple, empty and repeat as necessary

 

It's my absolute pleasure mate. Have had loads of support from this forum last year so just trying to "pay forward" as I believe the Americans call it.

 

That's not bad at all. Have you got the DVLA satisfied yet?

 

You can check to see if your vehicle is on the database for free using this link.

http://ownvehicle.askmid.com/askmid.aspx

 

Glad you got it sorted at last.
Thanks for the link Rooster - the Trident and the Enfield are both on there (so is the Saab for that matter).

 

You can always log a formal complaint - The 'target' for Insurers is to have any policy changes/inceptions etc on the MID within 7 days. The problem you can find with this is if you are insured through a broker (which is more than likely the case) it is the Underwriter's responsibility themselves and all the broker can do is keep chasing them to get it updated.

Is your registration correct (no 'O' in as '0' that sort of thing) and spaced correctly on your policy documents.....as I have known this sort of thing to cause issues in the past!

"as ridiculous as it sound's IT IS THE RESPONSIBILITY OF THE POLICY HOLDER TO MAKE SURE IT'S ON THE M.I.D." It is only the insured's responsibility to ensure there is adequate cover to meet the criteria of the Road Traffic Act before using or allowing a motor vehicle to be used/kept on the public highway. Updating the MID remains the responsibility of the Underwriter......and they can be fined for not doing so.

The DVLA 'fine' just requires you to prove you were insured and once done, tends to quickly go away......it is automatically generated based on their database showing as not being insured and not SORN.

 

I feel for you TW, it's completely mad.
"You're not on the list !!!!" -

"But I can't access the list?"

"That doesn't matter - give us £100 !".

"At least have the decency to wear a mask and point a gun at me, if you're going to rob me!!"