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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:
Marseillaise · 10/08/2024 08:40

Deleted, incorrect post.

Youcantcallacatspider · 10/08/2024 08:40

My DH had a similar thing a few years back OP. Police stopped him and told him not insured although he was sure he was. Luckily the police weren't too twatty but asked for proof to be produced within a week. When he investigated with his insurer it turned out that one digit of his license plate was wrong on their documents. It was all rectified without too much stress. It's never nice to be stopped and intmidated by the police but they're just doing their job really. Just contact your insurance asap and it will all be fine I'm sure

velvetcoat · 10/08/2024 08:37

Phew- glad its sorted OP but yes, complain.

MrsMoastyToasty · 10/08/2024 08:36

Ask for the CEO contact details
Threaten to take your complaint to the ombudsman/Watchdog/Trading Standards.
Get a copy of the complaints procedure.

Good luck!

mitogoshi · 10/08/2024 08:35

I would make sure you have the dates and times of all payments you have made this year, the dates and times of telephone conversations re your policy this year and any emails to hand, then contact via the 24 hours claims line - they do have staff on weekends. Now I suspect they will need the Mon-Fri staff to investigate but you can start the process.

Imperrysmum · 10/08/2024 08:35

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

endofthelinefinally · 10/08/2024 08:34

I think you should google the emergency number and ring that. Check that they recognise your policy number and go from there.

Original poster
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.

OP posts:
Reallybadidea · 10/08/2024 08:32

MoodyMargaret11 · 10/08/2024 08:26

Hi OP,
I don't want to scare you but I think this might be a scam. There is a car insurance company called 1st Central but they are literally spelled like this: 1st Central, not "First Central" (see website below).
I was with them last year and had no issues at all.
www.1stcentralinsurance.com

*Edited to include website

Edited

A scam where they replied to the OP's email, refunded her direct debit and gave her an extra £100 cheque as a gesture of goodwill?

Missfitte · 10/08/2024 08:30

johnd2 · 10/08/2024 08:23

Doesn't help, the car being driven also needs to be insured

Show quote history

Oh b*gger, yes!

Missfitte · 10/08/2024 08:29

Call them today!

Snackpocket · 10/08/2024 08:28

MoodyMargaret11 · 10/08/2024 08:26

Hi OP,
I don't want to scare you but I think this might be a scam. There is a car insurance company called 1st Central but they are literally spelled like this: 1st Central, not "First Central" (see website below).
I was with them last year and had no issues at all.
www.1stcentralinsurance.com

*Edited to include website

Edited

It’s not a scam. First central is their registered name and 1st central is a trading name. It’s at the bottom of their website.

MoodyMargaret11 · 10/08/2024 08:26

Hi OP,
I don't want to scare you but I think this might be a scam. There is a car insurance company called 1st Central but they are literally spelled like this: 1st Central, not "First Central" (see website below).
I was with them last year and had no issues at all.
www.1stcentralinsurance.com

*Edited to include website

BabySnarkDoDoo · 10/08/2024 08:25

I would e-mail or webchat customer service/complaints for you insurance company now. Include screenshots and dates of all correspondence you've had with them. Follow up with a call as soon as they open on Monday, be polite, but make sure they understand the urgency of needing to get it sorted asap.

velvetcoat · 10/08/2024 08:23

Also, tell them you want to make a formal complaint and will report them to the ombudsman for this, its dreadful incompetence on their part

johnd2 · 10/08/2024 08:23

Missfitte · 10/08/2024 08:22

To reiterate from another poster, does your DP have his own policy which states he can drive other cars third party?

Doesn't help, the car being driven also needs to be insured

Missfitte · 10/08/2024 08:22

To reiterate from another poster, does your DP have his own policy which states he can drive other cars third party?

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

I've had around 2 hours sleep panicking and counting down the hours till 9

OP posts:
Fluufer · 10/08/2024 08:22

theDudesmummy · 10/08/2024 08:19

In Ireland we have to have 3 physical paper discs on the windscreen: road tax, insurance and NCT (equivalent of MOT). I think it is a better system, no mistakes possible.

Surely even with a disk a policy can be cancelled or admin errors can happen. The disk just shows a policy was active at the time the disk was issued.

velvetcoat · 10/08/2024 08:21

@Outandabout43 I think you'll be fine- sounds like another admin error, but in future you MUST get everything in writing. If you speak to anyone on the phone note the time and date and ask for their name. I know it's a pain in the arse to have to do but it will help you in situations like this. The problem is saying they told you on the phone is so vague that anyone could say that. Always get it in writing and especially the certificate.

Sunsetbeachhouse · 10/08/2024 08:20

Op as long as your payments were going out and you did everything reasonable to ensure the policy is active (which sounds like you did) then your partner won't get points. Just get the bank statements ready too which will show you was paying and the error is with the insurance not you.

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.

theDudesmummy · 10/08/2024 08:19

In Ireland we have to have 3 physical paper discs on the windscreen: road tax, insurance and NCT (equivalent of MOT). I think it is a better system, no mistakes possible.

Snackpocket · 10/08/2024 08:19

Why are you going to wait until Monday to contact them? They are open today and tomorrow - www.1stcentralinsurance.com/help-support

VilanelleTutu · 10/08/2024 08:17

I got sent a letter from a motorway police monitoring scheme advising that it appeared my car was not insured. I work in insurance so I knew I had cover but when I called to see what was going on, we found that an admin error had resulted in the Reg record being one character in error. All sorted and one I probably should I spotted on the certificates etc. Happens all the time apparently.

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