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#Post#: 16425--------------------------------------------------
Met Police Warning for Driving Without Insurance, Despite Paying
Premium in Full.
DIR By: Londoner
Date: February 27, 2024, 6:46 pm
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Assuming this isn't a common occurrence, but figured this is the
most suitable sub-forum to post in. Happy to be corrected.
I recently received the below letter from the Metropolitan
Police saying that I was seen driving (my) "uninsured vehicle".
I checked on askMiD and to my utter surprise it was indeed
showing as uninsured.
So I immediately tried logging in to my account with my
insurance provider, but the login failed, as if no account
existed. My renewal was due several months ago and was paid in
full, and is showing on my credit card statement.
My current assumption is as follows. When my insurance was up
for auto-renewal I got an email saying that payment failed as
the credit card on file was no longer valid and that I should
get in touch to provide a new payment card. I did precisely
that, however, I suspect they never released the "suspension" on
the policy. So in short, they took my money but never issued a
policy.
This is of course just my assumption and I'm trying (so far
unsuccessfully) to contact my insurance provider to find out
what's up. Their phone customer service is dreadful.
In any case I am quite angry that this has been allowed to
happen, as this means I have been driving uninsured for several
months now. Assuming my assumption is correct, this is an
unacceptable error and I am looking to hold the insurance
provider accountable to the fullest extent!
I'm curious to hear if anyone here has ever dealt with a similar
experience and what plan of action I should be taking. At the
moment I'm not quite sure where to start. Would love to hear
your thoughts!
HTML https://i.ibb.co/m8zk0sg/PXL-20240227-170606094-2.jpg
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#Post#: 16440--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: BertB
Date: February 28, 2024, 4:12 am
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You don't mention if you checked your CC statement or not. Did
they definitely charge your new card with the full value of the
policy?
Was this paid by the card issuer?
As it appears from the letter that the Met are not going to take
further steps in this instance, your only priority currently is
to contact the insurance company and not use the vehicle until
you have. All other indignation can be put on hold until you get
the issue sorted and find out what happened.
You can also browse their site and see if you can find where you
direct complaints. The normal escalation would be their
complaints procedure first, followed by a complaint to the
financial ombudsman.
HTML https://www.financial-ombudsman.org.uk/consumers/how-to-complain
HTML https://www.financial-ombudsman.org.uk/consumers/how-to-complain
#Post#: 16447--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: Londoner
Date: February 28, 2024, 5:21 am
---------------------------------------------------------
Thanks for your reply. I did mention that the full charge is
showing on my cc statement.
I actually just got off the phone with them, and they've
confirmed my suspicion. They acknowledged they took payment but
that I didn't have an active policy.
Shockingly negligent.
I am now, as a direct result out of pocket, not only because
premiums have been skyrocketing but also because I'm having to
take out a brand new policy to start immediately, which is
always more expensive than paying say 2 weeks before the start
date.
#Post#: 16456--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: andy_foster
Date: February 28, 2024, 7:05 am
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If they charged you for insurance and failed to "do the needful"
at their end, as far as I am concerned, you had a contract for
insurance with them, and they need to honour their side of the
bargain - IOW provide the insurance that you paid for for the
price you paid for it.
I would suggest submitting a written complaint - with the word
"COMPLAINT" in bod at the top, and if they don't play ball
complain to the ombudsman.
N.B. Thread moved to Flame Pit as it is not an active criminal
case.
#Post#: 16460--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: Southpaw82
Date: February 28, 2024, 7:37 am
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I am in concurrence with Andy. They ought to institute the
policy you bargained for (and probably give you a gesture of
goodwill).
#Post#: 16647--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: sparx
Date: March 1, 2024, 9:16 pm
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If they refuse to do this at the early stages of a complaint,
they may back down towards the end. AFAIK it costs the insurer
money to go to the ombudsman, same as the banks, so if they've
got a weak case they may (hopefully!) just sort you out if they
can see you're not going to back down.
#Post#: 16683--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: ivanleo
Date: March 2, 2024, 1:26 pm
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I've not checked if it's gone up but the ombudsman fee was £750
a couple of years ago.
#Post#: 16741--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: Londoner
Date: March 3, 2024, 6:35 pm
---------------------------------------------------------
Thanks all. I've solicited the help of ChatGPT to draft a
strongly worded letter. In the meantime, the insurer has sent me
a full refund. Do you think that in any way weakens my case
against them?
#Post#: 16742--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: andy_foster
Date: March 3, 2024, 7:02 pm
---------------------------------------------------------
--- Quote from: Londoner link ---
>
> Thanks all. I've solicited the help of ChatGPT to draft a
strongly worded letter. <...> Do you think that in any way
weakens my case against them?
>
--- End Quote ---
Most likely
#Post#: 16743--------------------------------------------------
Re: Met Police Warning for Driving Without Insurance, Despite
Paying Premium in Full.
DIR By: guest46
Date: March 4, 2024, 1:03 am
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--- Quote from: Londoner link ---
>
> Thanks all. I've solicited the help of ChatGPT to draft a
strongly worded letter. In the meantime, the insurer has sent me
a full refund. Do you think that in any way weakens my case
against them?
>
--- End Quote ---
Yes -if they've refunded in full de Facto, you weren't insured.
I'd refuse it and carry on as you were? Great to get the money
back - but you open the door to driving whilst uninsured AND -
importantly when you're asked 'have you had insured refused or
cancelled etc' you have to answer honestly. They're possibly
trying to screw you?
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