Just been pulled over by the police

[Outandabout43]

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??

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

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?

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

FFS insurence saying it's not them at fault and the police should of called them. I'm going round in circles and not sure what to do

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

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

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.

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.

This is what happened. Took my insurance certificate and DH to show he can drove my car third party on his policy. The lady behind the desk scanned it all and said she will send it over to yhe officer who will review, however he may say it was my responsibility to check the database and will get the 6 points, however we can then go to court

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

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.

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!

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.

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.

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

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

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.

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

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

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.

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.

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

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

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

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