Just been pulled over by the police

Call them tomorrow. Insurance companies are open at the weekend.

I had a similar problem when pulled over by the police. I always pay car insurance by direct debit so couldn't understand why the police were saying they could not find any valid insurance for the car. I phoned my insurance company and asked the police officer to speak to them himself. After a few minutes he grinned, and told them to reissue my documents with the correct registration! Turned out that they had put a V Instead of a W !
Sometimes the answer is very simple.

Does you partner have his own policy which allows him to drive other cars on third party? If so...Might be another way to resolve this?

@Inlaw

You can put your phone down sweetie! You don't need to respond!

Especially not with such an unhelpful sanctimonious comment!

Would I follow your advice? Nope, I'd find out what had happened, make an informed decision and not be naive enough to think because it's a name that's recognised that things don't go wrong.

Please don't feel obliged to answer me, it's late after all.

So you would be following my advice 🤣

Honestly DFOD and please stop quoting me. It’s 3am. This is a car insurance thread. Hardly drama of the century.

@Inlaw that's irrelevant, OP is asking about the here and now.

Your condescending answer was about as much use as a chocolate teapot!

You would stay with this company now this happened twice?

No @Inlaw I'm not first central support.

I'm offering sensible advice not being condescending and unhelpful.

Try it?

What 🤣

Is this first central support team or something?

Your service is clearly shit. Sort it out.

OP I would put in a complaint, ask for further compensation die to distress caused then complain to the financial Ombudsman. This is awful.

OP, in the email you have posted what refund are they refering to?

Also your post is a little confusing. Am I following...

You were set up with this policy on a monthly DD. However, it failed due to their error and you paid in full. This then ended up not being the policy cost, but the cancellation fee.

Are you 100% sure you paid in full? Because a monthly policy costs more in total due to it also being a loan. Did this person you spoke to when paying in full correct the policy to being paid annually? This is something you would have seen on your online account when checking back in May.

Also, you should have been sent you certificate by email at least. Even if set up on paperless online management. Yes, all your other documents would not be emailed, but the certificate should have been. Print it off and take it to the police. That is your proof.

I also agree with binning this incompetent company off when this issue is sorted.

OP call insurance first thing Monday and ask for email confirmation then go right to your local police station. Sometimes annual payments for things aren’t processed properly and will sit wrong on your account, but when you’ve no reason to check you don’t notice it.
sorry you had a shit end to your night love x

I would contact your insurers in the morning. Even if complaints are Monday to Friday, you can make some noise and see what you come up with. You have til next Thursday to sort this.

Get onto them on Monday, get a copy of your certificate and take it to the police station on Monday.
If they have cancelled without telling you, it’s possible they’ll charge your DH with no insurance, but if you’ve got proof it was in place originally and you weren’t told, then you’ve likely got a defence in that (I’m sure that won’t happen but just to reassure you!).
I’d also follow their complaints procedure then go to the ombudsman if not resolved satisfactorily.

🙄

What a twatish response!

OP, it's an admin error, you've paid, you've got confirmation, it'll be fine.

You're over thinking this, because you've had a shock.

Go to bed, sort in the morning.

@Inlaw thats helpful advice!

Wow they sound like a shit show! Use a proper insurer that actually is a recognisable name. First direct, admiral, Churchill etc.

The police are never going to accept an email as proof of insurance, as anyone could produce a fake version. They, rightly, go by their insurance database, and your insurance company has let you down again by not showing your policy as active. You have 7 days to show the police you are insured, so try not to panic - you can contact the insurance company, get them to correct their mistake again and provide you access to your original insurance certificate that shows you are insured from March this year.

Maybe just ring to try and query it this morning if the line is open. Also, see if they have a social media page? Complain on there, these companies don’t like complaints.

But have they been taking the money each month?

If you pay by monthly direct debit, are all your payments up to date? Are they being collected as you would expect?

You don't need to make a complaint right now, so contact First Central via their web chat, WhatsApp, or the claim line and get hold of anyone that you can. You just need the insurance certificate that shows the valid length of cover. Then after this you can complain to First Central, but I would cancel your policy with them and move to one of the big name insurance providers. First Central seem like a total shit-show.