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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:
Imperrysmum · 10/08/2024 10:52

Sitdownrosa · 10/08/2024 10:25

Do you feel better now?

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Yes thank you, that was killing me softly 🫣

Lilacapples · 10/08/2024 10:52

ListentotheButterflies · 10/08/2024 08:51

On a slightly different note, are the police allowed to do random stop and questioning?

I thought there had to be a reason (unless it's changed) like erratic driving, bulb not working in a headlight or indicator etc.

I wonder why they breathalised him for no reason?

Yes. My husband was stopped 2 years ago at 4am. He was just going to the hospital as his dad was dying. He ended up getting there too late. They never gave a valid reason l. I suspect his car, the hoodie and baseball cap were the reason though. Hes a 50+ year old man going out in the middle of winter and has a bald head that gets cold!

TwistedSisters · 10/08/2024 10:51

ListentotheButterflies · 10/08/2024 08:59

That doesn't make sense.

If they were waiting in a layby and a car passed, why would they hone in on it and stop it for no reason?

They won't have the computer on checking insurance of every passing car.

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They do. Not manually, but most police cars have ANPR systems that scan the number plate of every passing vehicle and it would have pinged up as uninsured.

Ponkpinkpink15 · 10/08/2024 10:44

Sitdownrosa · 10/08/2024 10:25

Do you feel better now?

Show quote history

@Sitdownrosa

I think this was at least a kind & informative post, unlike the other two that were just shitty.

SlashBeef · 10/08/2024 10:43

Outandabout43 · 10/08/2024 08:33

@SlashBeef I could actually kiss you. It turns out I also have to portals under the same email. Logged onto the current one and it states insurence is active.

Still need to call them though as when I click onto my documents it states certificate is not yet available.

I think another very large complaint is due.

So pleased 😀 I completely relate to that heart sinking moment of seeing "inactive" when you know you've paid your insurance. Horrendous.

Ponkpinkpink15 · 10/08/2024 10:41

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Ponkpinkpink15 · 10/08/2024 10:36

MrsRobinsonsHandprints · 10/08/2024 10:17

But people were getting a policy and certificate and then cancelling the policy.

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@MrsRobinsonsHandprints

yes, I've since read that that was an issue.

I hadn't allowed for fuckwits!!

Ponkpinkpink15 · 10/08/2024 10:35

Honestlynotsure · 10/08/2024 10:16

Ah I can't bear it insurance insurance

Doing my head in.

@Honestlynotsure

then take your head, give it a good wobble & go & do something else. It's not compulsory to read a thread!

mycatsanutter · 10/08/2024 10:33

Just seen the 8.33 post 😀

Rosscameasdoody · 10/08/2024 10:32

MrsRobinsonsHandprints · 10/08/2024 10:17

But people were getting a policy and certificate and then cancelling the policy.

Show quote history

Wouldn’t make any difference, the police would still be aware that the driver was uninsured.

Rosscameasdoody · 10/08/2024 10:31

Can all those who feel the twattish need to correct OP’s spelling and grammar, just stop and ask yourselves a question. Would you correct someone in the same rude way irl ? You don’t know the first thing about OP and there’s always a possibility that you’re being unknowingly ableist. It’s rude, it’s uncalled for, and it has nothing whatever to do with what she posted.

mycatsanutter · 10/08/2024 10:30

@Outandabout43 how have you got on with ringing them ?

Ponkpinkpink15 · 10/08/2024 10:27

ListentotheButterflies · 10/08/2024 09:00

I don't watch Motorway Cops :)

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Maybe you should

TheSquareMile · 10/08/2024 10:26

@Outandabout43

First Central Insurance are open for calls and webchat today, OP.

In your situation, I would contact them this morning and confirm that you have a valid policy at the moment.

https://help.1stcentralinsurance.com/kb/FAQ/content/PROD-6644/What-are-your-opening-hours-and-contact-numbers

Sitdownrosa · 10/08/2024 10:25

Imperrysmum · 10/08/2024 08:35

Glad that’s sorted OP, just so you know it’s spelt insurance rather than insurence :D

Do you feel better now?

MrsRobinsonsHandprints · 10/08/2024 10:24

oneskip · 10/08/2024 10:19

^*it's not exactly the most important issue here is it? It is incredibly rude,to pick people up on their spelling, people have various issues & should not be put off posting because their spelling isn't always correct.

YOU do not own or run MN, so take your petty whinging & superiority complex over to pedants corner.*^

What is with & instead of and???

  • don't bother to tell me to F off, I've gone for breakfast

?
& means and.

WalkInAStraightLine · 10/08/2024 10:19

Everyone posting now - read the OP's posts first. You might find your advice is now redundant!

oneskip · 10/08/2024 10:19

^*it's not exactly the most important issue here is it? It is incredibly rude,to pick people up on their spelling, people have various issues & should not be put off posting because their spelling isn't always correct.

YOU do not own or run MN, so take your petty whinging & superiority complex over to pedants corner.*^

What is with & instead of and???

  • don't bother to tell me to F off, I've gone for breakfast
TonTonMacoute · 10/08/2024 10:18

You will need to show them all the correspondence you have had with the insurance company and any bank statements.

SmileyHappyPeopleInTheSun · 10/08/2024 10:18

Outandabout43 · 10/08/2024 08:59

No, we where very nearly home, over half an hour away from where I had been out. Stated it had flagged on the system I had no insurence.

It sound like your insurance company is a fault - I was going to suggest it was police database not being updated but if it was May assume it should have been.

We moved house and 2 weeks later our garage was broken into and DH motorbike taken and used in min crime spree - we had police banging on our door at 4 am - very irate at us as he gone to previous address and tried to say that was our fault - he was also trying to get us to step out of property but door had that style yale lock which slam shut behind you - and I had a baby and toddler upstairs - so was firmly and politely explain that wasn't happening and we'd informed insurance people move data and confirmed change of address afterwards.

He did get nicer when it became clear garage was forced and we weren't involved - then said insurance companies could be delayed in updating info in the database - something I've subsequently seen refence on TV police shows.

MrsRobinsonsHandprints · 10/08/2024 10:17

Ponkpinkpink15 · 10/08/2024 10:15

@theDudesmummy

it was MUCH better, all this 'progress' isn't!!

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But people were getting a policy and certificate and then cancelling the policy.

Honestlynotsure · 10/08/2024 10:16

Ah I can't bear it insurance insurance

Doing my head in.

Ponkpinkpink15 · 10/08/2024 10:15

theDudesmummy · 10/08/2024 08:03

This sort of thing is why I think the system of having an insurance disc on your car windscreen (which we still have in Ireland) is better. No room for this kind of error.

@theDudesmummy

it was MUCH better, all this 'progress' isn't!!

WalkInAStraightLine · 10/08/2024 10:13

SlashBeef · 10/08/2024 08:19

OP I had the same situation with the same insurers. For some reason I had two portals under the same email address so I could log in to two different policies if you see what I mean. It all depended on which policy number I used to log in, the previous or current year. Check the policy number for this current year and make sure you're logging in with that number.
I nearly had a heart attack when it said my policy was inactive after a collision because I'd paid the year in full and not received any cancellation notification. Checked the policy number on the initial certificate and I was logged into the wrong one.

Not the same thing, but when I've been with an insurer for a few years, I log into the portal and the first policy it shows me is the oldest one which says EXPIRED on it and I almost have a heart attack EVERY TIME. I have to scroll down for the current active policy!

GandTisgoodforme · 10/08/2024 10:12

Have you got proof of the full payment on a bank statement? Along with the emails and proof of payment, I can't see how your insurance company can argue.

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