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#Post#: 116204--------------------------------------------------
Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 17, 2026, 1:30 pm
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Hi Everyone I need some urgent help.
Caught by Thames Valley police with No insurance. They showeds
me online MIB result.
Been sent a NIP dated 24 March 2026.
sent proof that i recived a "your Covered" email on 27 Dec from
Saga.
Can send any copies if you want to see it.
Was calling them on 24 Dec to reduce my monthly costs to third
party only.
Recieved "your covered email" on 27 Decand waited until 21 jan
to renew my car tax. Figured that if old policy expierd on 16th
Then when I updated applied on DVLA it would check MIB and issue
tax if I passed.
Called saga to speak to agent that took my call. She has left
the company. Lodged complaint with Saga. Asked them to produce
voice recordings.When I spoke to agent.
Taking this to court but a 65 year old pensioner on universal
credit. Very Worried as lawyers quoting me over £1300 just to
write to thames valley and get the case dismissed before even
going to court.
Need any help you can provide. Hear good things about this
forum.
Regards
Mike
#Post#: 116207--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: NewJudge
Date: April 17, 2026, 1:43 pm
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I’m sorry but I cannot make head or tail of your post.
Can you do a timeline, in particular one which mentions when you
were stopped by the police. Concentrate on dates involving
insurance – when your policies began and ended and why your car
was showing as uninsured on the MIB database.
#Post#: 116209--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 17, 2026, 2:04 pm
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Hi To be accurate.
wanted to reduce my existing saga policy and called them on 24th
dec 2025.then again on 27th dec 2025.
recived a "your Covered email on 27 Dec"
Stopped by Police on 23 March 2026. Showd me the MIB result
showing no insurance.
Original Saga Policy Was third Party Fire & theft. Due to expire
on 16 Jan 2026.
Called in december to reduce policy costs.
got an updated quote and called them back to accept it on 27
Dec.
MIB checked with Saga who profess no record of the renewal
conversation. can private message you with saga email and copy
of updated renewal quote.
got re[ply from police on further invetigstion with MIB. can
send that separately.
Regards
Mike
#Post#: 116212--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: FuzzyDuck
Date: April 17, 2026, 2:22 pm
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You mention "monthly costs", so does that mean you were paying
for the insurance on a monthly basis and have the payments been
taken since your supposed renewal?
#Post#: 116214--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 17, 2026, 2:28 pm
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Was on a Direct Debit. Monthly and renewal quote stated:
One, two, renew
You pay by Direct Debit so unless those details have changed
your policy
will renew automatically. If you do need to change your payment
method,
please go to saga.co.uk/mypolicy or call us on 0800 904 7908 at
least five
days before 16 January 2026.
1. Check the Schedule. Any changes or mistakes? Then please let
us know
or correct them.
2. Please keep these documents somewhere safe, along with the
policy
book we previously sent you – please let us know if you need a
new one.
Remember you can review and change your details 24/7 after
renewal at
On saga Site it states:
How do I renew my policy?
You will be sent a renewal invitation at least 21 days before
your renewal date. Your renewal invitation will then also be
available for you to review and renew for home and motor
policies on MySaga. If you pay by Direct Debit or set up a
continuous payment when you took out your policy, don’t worry we
will automatically renew it for you.
Kicked myself for not checking if Feb 2026 paymwnt had gone out
DD still in place.
#Post#: 116216--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: roythebus
Date: April 17, 2026, 2:41 pm
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Did you look at the Saga statement you mentioned? Wne did your
road tax expire?
#Post#: 116217--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 17, 2026, 2:49 pm
---------------------------------------------------------
Looked at renewal quote and can send it
Road tax expired on 31 Dec 2025. Long Car MOT Fix meant could
not renew tax until 21 Jan. (Took that long to get part from
germany)
Will send your car tax confirmation. on private message +
anything else you need- also sent saga renewal letter
#Post#: 116219--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: NewJudge
Date: April 17, 2026, 3:53 pm
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--- Quote ---
> Kicked myself for not checking if Feb 2026 paymwnt had gone
out...
--- End Quote ---
And had it?
--- Quote ---
> Road tax expired on 31 Dec 2025. Long Car MOT Fix meant could
not renew tax until 21 Jan.
--- End Quote ---
Road Tax has nothing to do with this.
#Post#: 116221--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 17, 2026, 4:16 pm
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No Feb payment did not go out. But no email to say any dd issue.
No letter either.
#Post#: 116223--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: NewJudge
Date: April 17, 2026, 4:25 pm
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Then I think that may be your answer. I would check this out
before you ”take this to court because a fixed penalty (if you
are offered one) may limit the damage.
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