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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Just been pulled over by the police

259 replies

Outandabout43 · 10/08/2024 01:36

Fuming right now.

Been on a night out with work, partner picked me up, he is a named driver on my car.

Had issues with insurence when I renewed. Noticed policy was inactive after paying yearly fees. Spoke to insurence who apologised, stated the policy will be activated and gave £100 as a gesture of good will, this was in may

Police just pulled us over. Breathalysed DH driving the car and stayed we had no insurence. Checked policy and it's come up again as inactive. Have been told we have 7 days to prove insurence or DH will get 6 points in his license, this will effect his job.

I'm mortified. Obviously I'll contact insurence on Monday, but what if they say we are not covered. I've attached a screenshot of email provided by insurence but I'm really panicking now. What do I do??

Just been pulled over by the police
OP posts:
ChesterDrawz · 10/08/2024 14:27

HollyKnight · 10/08/2024 13:25

Yes, but it doesn't matter if his insurance allows him to drive your car if your car doesn't have a valid insurance policy in place. That's the issue.

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That's not the case with all DOC cover.

Some policies do cover driving other cars regardless of them having a policy on them. Only certain insurers do it though.

(There can be another issue with that though in that all vehicles have to have insurance at all times, or be SORN'd, otherwise the registered keeper is committing a difference offence, but that wouldn't be OP's DH's problem anyway.)

NigelHarmansNewWife · 10/08/2024 14:21

What you do now OP is raise a complaint with your insurer. Actually tell them you wish to raise a complaint about their failure to correctly enter the details of your insurance cover into the MID.

Cantgetausername87 · 10/08/2024 14:15

Technically the police are correct- it's whether your vehicle is showing on mid which counts as insured.
Please don't panic just call them on Monday first thing to get it sorted- demand they send you a bespoke letter for the police explaining that at that specific date and time of being stopped your vehicle was insured.

HOWEVER your husband may not be covered as you said he's not named,unless his own policy covers driving other cars for partners vehicle (unlikely most dont) he may have been driving uninsured.

chutneypig · 10/08/2024 14:10

A few years ago I had a letter saying my car wasn't on the MID. I called my insurers and they hadn't sent the information through to the database but assured me it would be updated the next working day, Monday. The police pulled me over on the Tuesday as I'd tripped a camera. I had an electronic copy of my insurance certificate but that wasn't sufficient apparently. Although they could have impounded my car they waited until my insurers opened at 8am and were able to confirm I was insured.

The police were great but my insurers weren't remotely apologetic. I hope you can get it sorted.

FearMe · 10/08/2024 13:47

Posted in error

GracieAndPedro · 10/08/2024 13:43

Outandabout43 · 10/08/2024 13:41

I've spoken to them and he is a named driver and even if he wasn't was insured to drove mine 3rd party.

No idea why he is not documented on the certificate, honestly this is awful

Apparently they have raised a ticket to add policy to MID and could take 5 - 10 working days. I said this isn't good enough as only have 7 days. What do I do now?

Show quote history

Produce the certificate from your insurers which shows him named. Job done. If you don’t have a copy, get one.

Tangled123 · 10/08/2024 13:42

It takes 7 days for MID to be updated when your policy is renewed. I remember a police officer followed me into a shop because I was flagged as having no insurance during those 7 days. He accepted an insurance cert I had in my emails though, so it seems ridiculous that someone would still get points on their licence despite doing everything right. Would they use the same argument if there was an accident within those 7 days?
I would escalate this as much as possible OP.

Original poster
Outandabout43 · 10/08/2024 13:41

GracieAndPedro · 10/08/2024 13:30

Ask him to ring his insurers to clarify what vehicles he can drive third party and then you’ll know whether he was covered by his policy. If he wasn’t then the next question you need answering would be whether he was a named driver on your policy. If the answer to both is no, I’m afraid he wasn’t insured.

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I've spoken to them and he is a named driver and even if he wasn't was insured to drove mine 3rd party.

No idea why he is not documented on the certificate, honestly this is awful

Apparently they have raised a ticket to add policy to MID and could take 5 - 10 working days. I said this isn't good enough as only have 7 days. What do I do now?

OP posts:
GracieAndPedro · 10/08/2024 13:41

WalkInAStraightLine · 10/08/2024 13:38

however he may say it was my responsibility to check the database

What?! Is this a thing drivers are legally expected to do?!

No but you should check your insurance certificate and schedule when you receive it.

WalkInAStraightLine · 10/08/2024 13:38

however he may say it was my responsibility to check the database

What?! Is this a thing drivers are legally expected to do?!

RubberyChicken · 10/08/2024 13:37

ABirdsEyeView · 10/08/2024 13:16

Literally no one checks a database to verify their insurance. Everyone trusts their insurance company to do what is necessary once you've paid them. You've done everything you could reasonably be expected to do. You need to get your insurance company to contact the police and start making formal complaints!

I check, takes less than a minute to check on askMID, it's easier to do that than sort out issues like this. I always check when I renew or change insurers just in case

Charlottescobweb · 10/08/2024 13:31

I just checked my policy and it's still active I signed up to them this week.

GracieAndPedro · 10/08/2024 13:30

Outandabout43 · 10/08/2024 13:26

But I do have insurence, it's just not showing on the MID

Show quote history

Ask him to ring his insurers to clarify what vehicles he can drive third party and then you’ll know whether he was covered by his policy. If he wasn’t then the next question you need answering would be whether he was a named driver on your policy. If the answer to both is no, I’m afraid he wasn’t insured.

HollyKnight · 10/08/2024 13:28

Outandabout43 · 10/08/2024 13:26

But I do have insurence, it's just not showing on the MID

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That's the issue. Your insurance company is saying you have insurance, but they haven't put it on the system so as far as the police are concerned you car isn't insured. Your insurance company needs to put it on the system with the original date.

Original poster
Outandabout43 · 10/08/2024 13:26

HollyKnight · 10/08/2024 13:25

Yes, but it doesn't matter if his insurance allows him to drive your car if your car doesn't have a valid insurance policy in place. That's the issue.

Show quote history

But I do have insurence, it's just not showing on the MID

OP posts:
Original poster
Outandabout43 · 10/08/2024 13:25

I thought he was a named driver, however on the certificate it says he is not.

OP posts:
HollyKnight · 10/08/2024 13:25

Outandabout43 · 10/08/2024 13:22

He can drive mine third party, it says on the small print on the policy certificate he can drive any car with owners permission third party.

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Yes, but it doesn't matter if his insurance allows him to drive your car if your car doesn't have a valid insurance policy in place. That's the issue.

GracieAndPedro · 10/08/2024 13:23

Outandabout43 · 10/08/2024 13:22

He can drive mine third party, it says on the small print on the policy certificate he can drive any car with owners permission third party.

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There’s usually an exception for your partner’s vehicle or vehicles from the same household.

frannygallops · 10/08/2024 13:23

Your OP says he's a named driver on your policy, so which is it?

Original poster
Outandabout43 · 10/08/2024 13:22

GracieAndPedro · 10/08/2024 13:20

But she hasn’t taken a certificate to show him as a named driver to the police. She’s taken his insurance showing he can drive other vehicles 3rd party which usually doesn’t include your partner’s vehicle.

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He can drive mine third party, it says on the small print on the policy certificate he can drive any car with owners permission third party.

OP posts:
GracieAndPedro · 10/08/2024 13:20

Strictlymad · 10/08/2024 13:17

If you have paid and have a certificate how can you be blamed? Surely the police need to speak to the insurer?

But she hasn’t taken a certificate to show him as a named driver to the police. She’s taken his insurance showing he can drive other vehicles 3rd party which usually doesn’t include your partner’s vehicle.

Strictlymad · 10/08/2024 13:17

If you have paid and have a certificate how can you be blamed? Surely the police need to speak to the insurer?

ABirdsEyeView · 10/08/2024 13:16

Literally no one checks a database to verify their insurance. Everyone trusts their insurance company to do what is necessary once you've paid them. You've done everything you could reasonably be expected to do. You need to get your insurance company to contact the police and start making formal complaints!

GracieAndPedro · 10/08/2024 13:16

So he’s not a named driver on your car then? That’s not what you said previously. It’s unlikely that as your DH he would be insured to drive your vehicle third party off of his policy. It usually excludes partners. Like I said earlier you both could potentially be prosecuted for no insurance because you were permitting him to drive without insurance but because you were in the car technically you are driving without insurance too.

frannygallops · 10/08/2024 13:11

Eh, that's not what you said a minute ago

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