insurance advice ¬_¬

Discuss Non-E30 BMW's in here - No selling!

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Ben5732
E30 Zone Newbie
E30 Zone Newbie
Posts: 69
Joined: Mon Mar 03, 2008 11:00 pm

Post Wed Jul 30, 2008 4:19 pm

well joys of joys... i phone up my car insurance to add this to my policy for 2 days to get it home....

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turn around and say "sorry sir your insurance policy was canceled a week ago" ?!?! all of a sudden... "wait a second il just transfer you through to the revalent department" turns out they made a BIG mistake on my policy thinking id missed muliple payments when it was their fault each time, get told my policy is back up and running and am advised if pulled over i will be fine!.... so.... as i had a drive that night i needed doing off i went.... picked some people up started heading home.... bang..... car goes off like an xmas tree behind me.... 6 hours later my car still wasn't shown as insured on the database ¬_¬ after 30 mins of talking to the cops and even though i had no proof of insurance at 1:30 in the morning they believed my story and let me go (decent bunch of police for a change) ok... so i phone my insurance in the morning.... explain whats happened.... they say go the cop shop with my producer and get them to call up.... now.... the cop does this... insurance tell him jack all and he says "he doesn't have time" to fill out all the forms for the insurance and so im being reported for driving without insurance and if i drive my bmw it will get seized...!?!?!

go home again.... phone em demand a manager straight away as now im going to most likely have to go to court for all this, manager bent over backwards will be given free legal advice for everything, any fees paid for, and have also insured me on the only other car i have access to which is the only bonus out of all this.... a Golf VR6 at 19 years old.... so they are not particularly happy about all this either as it is all free of charge for as long as i need it for.

now my question is does anyone know really what i should be preparing for as obv the police are going to try and find one way or another to deal with me and should i take any action against my insurance company as this could of been a whole lot worse, i still haven't received any letters even telling me that my policy was cancelled!
SteSE
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Post Wed Jul 30, 2008 5:03 pm

Can't help on the insurance side but an airfilter would be advised :mad:
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E30BeemerLad
Married to the E30 Zone
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Location: Norfolk

Post Wed Jul 30, 2008 5:48 pm

contact your insurers and ask for a detailled letter of explanation which should point out the administrative blunders they made which gave rise to the situation of you "having no insurance" as far as the Motor Insurers Database was concerned.

Then, if a summons does come through the door you can send a copy of the letter from your insurers to the court as a defence and hopefully the case will just get dropped.

If they don't respond to this then advise them you will report them to the Insurance Ombudsman.

Whenever you speak to anyone at your insurers, make sure you make a written note of who you speak to and the date and time of the call. And make sure you are specific with your request, i.e. I need a full detailed letter of explanation surrounding the supposed cancellation of my cover by 4pm on 6th August or else.....
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Ben5732
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Posts: 69
Joined: Mon Mar 03, 2008 11:00 pm

Post Thu Jul 31, 2008 1:13 am

sorted, letter coming through the post, waiting for my summons report, airfilters being done tomorrow morning, now just got to sort out mr leaky as the car has been dubbed.... fine on the motorway... fine in town..... if i pull over for about 3-4 mins.... all the water goes bye bye in one big go.......
police system is still showing the beemer as uninsured for some strange reason going to phone the company back up tomorrow morning to get it sorted, not really liking my fuel bills at the moment at 13.2 mpg...... =/ should ask them to pay the difference in fuel costs tbh ¬_¬