Just been pulled over by the police

MID and Police National Computer do not update immediately so they couldn’t say that if it’s not on MID you’re not covered. Why else would they give 7 days to provide a certificate of insurance.

You say you were given a ticket to produce your insurance, if you have taken your certificate of insurance to the police station the person at the police desk should take the details of what you have produced and whoever deals with the traffic prosecutions should then review it and if they are in any doubt about the authenticity of what you provided then they should contact the insurance company for clarification. You literally have to take a valid insurance certificate showing that your DH was insured to drive the vehicle he was using at the date and time of the stop. The person at the police station completes a HORT/2 to show what you produced then you have complied with their request.

I don't quite understand why you're not stood in the police station on the phone to the insurer. You seem pretty laid back considering your DH is looking at 6 points

Well it is them at fault as they are supposed to put it on MID within seven days. But also, I don't understand why the police haven't spoken to your insurer - that would seem to be the easiest way to get to the bottom of it

Can't the police speak to your insurance company. Surely if they confirm you're insured then it's all sorted? When I worked for an insurance company we used to speak to the police all the time

Did you take a certificate of insurance that shows you and DH are insured to drive the vehicle concerned for the date and time of the stop?

What do they say in response to the fact that whatever they're claiming to have in place, isn't on the MID?

@Outandabout43

That's good.

Were you able to speak to the insurers this morning for confirmation of your current policy?

.

Good luck. Sure it will be sorted quickly.

If it is an online policy, you aren’t necessarily sent the certificate by mail or email, you can access it (and all other relevant documents) online.

I haven’t been sent a copy of my certificate the last two times I have renewed, however I do log into my documents and print the certificate from there, just so I have it, in case something like this happens.

Good luck

Of course they are if a car shows up as uninsured. Breathalyser is standard, particularly if they can smell booze.

I’ve just checked, I renewed with this company this year. Everything seems fine, certificate is there etc.

That only works if the car being driven is correctly insured too is absolutely incorrect advice because, as I said, it's entirely dependent upon the specific policy.

And here you are posting yet more incorrect advice. It's is not only a specific add-on. Some DOC covers do automatically cover the policy holder regardless of whether the other vehicle has a specific policy.

Aviva, for example, do give DOC cover with some policies (policy holder dependent) that don't require the other vehicle to have its own policy.

The keeper of the vehicle being driven would still be committing an offence under CIE legislation, though. But that's a completely difference offence not related to the driver with the DOC cover.

Hope you managed to resolve matters this morning OP.

ANPR camera on the police car will have picked up that there is no insurance for that registration. They run constantly and flag up document offences.

They absolutely don't need any reason to stop any vehicle, though. The insurance doesn't matter in that respect, when you choose to use a vehicle on public roads you are accepting that you may be pulled at any time if the police choose to do so.

Once pulled, they can breathalyse you for a multitude of reasons - document offences would be one. Believing they can smell alcohol would be another. Or asking if you've had a drink and you say 'I had a small glass of wine 8hrs ago'. And ultimately, 'manner of driving' is a cover-all as they can say you seemed hesitant, weaving, etc.

It isn't incorrect advice.
To have a policy that allowed you to drive any car without it being insured would be a specific add on, OP would know if her DH had this. This isn't a free perk of routine car insurance.

In fact most fully comp insurances no longer have DOC as standard.

That only works if the car being driven is correctly insured too, otherwise it could be used to insure a cheap 'decoy' car but drive a more expensive car registered in another person's name.

That's not a true. It depends on the terms of your DOC cover as to whether the other vehicle needs to be insured for your DOC cover to be valid.

Many, but not all, require the vehicle to have its own insurance. They would need to check the exact wording of their specific policy certificate and schedule to know.

Unfortunately there's always plenty of well meaning but inaccurate advice posted on MN motoring-related threads.

Why are you fuming at the police they are literally doing their job?
Not their fault you have a shit insurance policy.

I called them up and the lady apologised and said it was a computer error there side and that was a cancellation fee

Sorry, what exactly were they claiming was a cancellation fee? Surely not the £800?

Btw, it's many many years since I've had certificates emailed to me. They go on the portal, I download to a file in my One Drive.

@Lilacapples ah that's awful 😢