'Police made me pay £150 after seizing car for nothing' (From Bradford Telegraph and Argus)
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'Police made me pay £150 after seizing car for nothing'
7:00am Wednesday 6th February 2013 in Bradford By Steve Wright, Crime Reporter
Debbie Pickford and the car that was impounded
A retired police officer last night called for changes after his daughter’s car was seized leaving her with a £150 recovery bill because police computer records wrongly showed she was uninsured.
Debbie Pickford, 45, was driving home, along Leeds Road, Barkerend, Bradford, with her 13-year-old daughter Leah after a trip to the cinema when she was stopped by a police patrol car.
An Automatic Number Plate Recognition (ANPR) check showed that the divorcee’s 11-year-old Peugeot 206 was not insured due to a failure by her insurance company to update national records.
Despite her insisting she had a valid insurance certificate at her home in Cullingworth, her car was towed away and she had to pay £150 the next day to get it back.
Her father, Brian Pickford, served for nearly 30 years as a police traffic officer in Bradford.
Mr Pickford, 71, said that when he was working, a driver would be given seven days to produce their documents at a police station.
He said: “I am glad we are doing something about illegal vehicles, but it should be for illegal use not legal use. There is a flaw in the system when this can happen to a legitimate driver who has insured their vehicle when it is due and has a new certificate.
“I am concerned this could happen to other motorists and I have asked West Yorkshire Police whether they are advising drivers to have their insurance documents with them in their vehicle.
“It is not something I recommended to motorists as an officer because, if the car is stolen, the thief has all the documents.
“My daughter was given no opportunity to produce her documents. This can’t be fair. She can ill-afford £150 just because the information had not got from the insurance company to the police computer.”
The patrol officer drove Miss Pickford and her daughter home, but she has complained to West Yorkshire Police’s vehicle recovery unit and asked to be reimbursed.
She said: “It is outrageous that this has happened, and my daughter has been put through that, when I was legitimately insured.
“There should have been a way of knowing the car was legally insured without taking it away and leaving us stranded.
“The policeman drove us home in his patrol car and I was able to show him the insurance document. A friend had to take me to the police station the next day with my documents and then recover my car.
“I am a single mother and £150 is a lot to pay, especially when I have not broken the law. I have written a letter to West Yorkshire Police to try to get the money back, but they have replied saying the officer did the correct thing.”
Miss Pickford, who works with people with special needs, had continued her insurance cover through her brokers, Swinton, to run from midnight on January 15, and she had received her new certificate.
Miss Pickford described the officer as “over zealous” but said the fault was with the system. She said the police and insurance company seemed to be blaming each other.
Chief Inspector Neil Hunter, head of roads policing at West Yorkshire Police, said it was the responsibility of each vehicle insurer to ensure that their records are transmitted to the Police National Computer in good time to enable the police to take effective action in relation to uninsured vehicles.
“It would appear that on this occasion Miss Pickford's insurers had not transmitted this information to the Police National Computer enabling it to be updated accurately,” said Chief Insp Hunter.
“In view of this reasonable doubt the officers have arranged for a recovery agent to attend and seize Miss Pickford’s vehicle on the basis of the information that they had at that time that it was uninsured.”
Chief Insp Hunter confirmed the Force would not reimburse the vehicle recovery fee.
He said: “Miss Pickford was advised that in these circumstances that she may be able to claim for the cost of the vehicle recovery from her insurance company under the provisions of the Data Protection Act, 1988.
“Where an officer has acted lawfully in seizing a vehicle, the VRU are not able to reimburse the statutory recovery cost that is payable to the vehicle recovery agent.”
No-one at Swinton insurance brokers was available for comment when contacted by the Telegraph & Argus.
Comments(105)
Blotto
says...
7:22am Wed 6 Feb 13
radiobantam1
says...
7:37am Wed 6 Feb 13
Joedavid
says...
7:56am Wed 6 Feb 13
PaddyBantam
says...
8:26am Wed 6 Feb 13
Joedavid wrote:Do you mean our friends driving very very fast car, which is very very new and the driver very very young and kitted out with 17 inch amir khans, delivering very very small packages priced at two for 15?
How many other genuinely un insured cars get this treatment in BD3, I just got a feeling not many, am I wrong?
tyker2
says...
8:32am Wed 6 Feb 13
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
PaddyBantam
says...
8:52am Wed 6 Feb 13
What i did pick up from the article was the arrogant response from the Chief Insp Hunter.
The blame sits with the insurance company - that's a fact and not only should they reimburse her the £150, there should also be an additional payment for the error caused and the 'emotional distress felt by this lady, it can't have been a nice experience - knowing she was in the right yet receiving a consequence like this, as i've said the attitude of the Chief Insp stinks.
cassetteman
says...
8:56am Wed 6 Feb 13
She dealt through Swintons, (which is an intermediary and not an insurance company or provider in the strictest sense), so there will have been a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database. If you insure with an on-line insurance company directly the updating of the MID is pretty much instantaneous.
You can check the MID yourself online to see if the update happened and therefore save yourself all this hassle.
Always carry your insurance documents as ultimate proof, hide them somewhere in the vehicle if needs be.
The requirement to "provide" is mandatory, irrespective of what it says on the MID, the retired PC would know this but I can understand his frustration on this occasion what with it being his daughter.
I guess she will have to take it on the chin, I cannot see her getting very far with Swintons or her insurance provider.
Oldwestbowling
says...
9:28am Wed 6 Feb 13
oreilly.john.1990@googlemail.com
says...
9:31am Wed 6 Feb 13
cassetteman wrote:Sorry but 'a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database.' is not a valid excuse here, She had already received her insurance certificate in the post which Is a few days in itself, how long do they need to add a record onto a database saying this car is insured.
A few things here.
She dealt through Swintons, (which is an intermediary and not an insurance company or provider in the strictest sense), so there will have been a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database. If you insure with an on-line insurance company directly the updating of the MID is pretty much instantaneous.
You can check the MID yourself online to see if the update happened and therefore save yourself all this hassle.
Always carry your insurance documents as ultimate proof, hide them somewhere in the vehicle if needs be.
The requirement to "provide" is mandatory, irrespective of what it says on the MID, the retired PC would know this but I can understand his frustration on this occasion what with it being his daughter.
I guess she will have to take it on the chin, I cannot see her getting very far with Swintons or her insurance provider.
Swinton need to be fined, you have wouldnt get away with being laxed in making your payments why allow them to be laxe din updating the national database so you dont get hassled by the police.
Joedavid
says...
9:40am Wed 6 Feb 13
oreilly.john.1990@go24. What does the term ‘immediate load of vehicle data' mean within the Act?
oglemail.com wrote:
cassetteman wrote:Sorry but 'a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database.' is not a valid excuse here, She had already received her insurance certificate in the post which Is a few days in itself, how long do they need to add a record onto a database saying this car is insured.
A few things here.
She dealt through Swintons, (which is an intermediary and not an insurance company or provider in the strictest sense), so there will have been a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database. If you insure with an on-line insurance company directly the updating of the MID is pretty much instantaneous.
You can check the MID yourself online to see if the update happened and therefore save yourself all this hassle.
Always carry your insurance documents as ultimate proof, hide them somewhere in the vehicle if needs be.
The requirement to "provide" is mandatory, irrespective of what it says on the MID, the retired PC would know this but I can understand his frustration on this occasion what with it being his daughter.
I guess she will have to take it on the chin, I cannot see her getting very far with Swintons or her insurance provider.
Swinton need to be fined, you have wouldnt get away with being laxed in making your payments why allow them to be laxe din updating the national database so you dont get hassled by the police.
DfT’s view was that the requirement to supply data ‘immediately’ would be interpreted by the courts as “the time taken by a person using reasonable efforts” “Reasonable efforts” would vary from case to case, but an acceptable range would typically be 10-14 days.
Joedavid
says...
9:44am Wed 6 Feb 13
I find it interesting the ages of the car, lady involved, her daughter and father given why?
Police Inspectors age is missing though.
SRS74
says...
9:50am Wed 6 Feb 13
barry big nose
says...
9:58am Wed 6 Feb 13
collos25
says...
10:10am Wed 6 Feb 13
While people in other parts of Bradford continue every day without insurance tax and genuine driving licence and the police do absolutely nothing.Unfortunatly we live in a city where the police are at best useless and the council may as well not be there.
Shipleyvegas
says...
10:14am Wed 6 Feb 13
justjustice
says...
10:19am Wed 6 Feb 13
webshow
says...
10:21am Wed 6 Feb 13
albert2003
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10:22am Wed 6 Feb 13
cassetteman
says...
10:33am Wed 6 Feb 13
However, the chances are that Swinton would have issued at least a cover note and maybe even the certificate itself. It would not have been Swinton, who updated the MID, because they are simply brokers, i.e "middlemen", it would be the drivers actual indemnity provider who could, would and should have done this. It is not a Police database by the way, it is a Motor Insurers Database, to which the Police have access to as do the general public.
As I said at the outset, I have no allegiance to either the driver or the Police but had the driver been in possession of her certificate then I'll bet anyone a weeks wages that she would have been allowed on her way without any further hindrance.
Joedavid
says...
10:37am Wed 6 Feb 13
Joedavid
says...
10:39am Wed 6 Feb 13
I wonder if the Police officer would have believed his Computer or the paperwork.
yezboss
says...
11:02am Wed 6 Feb 13
Clearly they did, clearly they are culpable. I would advise Miss Pickford to ask for the money back once again, if they refuse to comply take them to court if they do not reimburse that fee. Any County Court judge would rule in favour of the claimant. Not only would they receive that money she would very likely would receive damages to for HURT,
Whoisevans?
says...
11:06am Wed 6 Feb 13
Blotto wrote:Exactly complain to your insurance company ask them to reimburse all your out of pocket costs if they refuse complain to the Ombudsman.
The Insurance Company were lax in updating their records to the PNC. Therefore they should be the ones doing the reimbursement! They should also be fined for it as well!!
Brannigan
says...
11:09am Wed 6 Feb 13
The law is quite simple - each motor vehicle on a road must be insured. If the driver cannot produce the certificate immediately they have 7 days to do so.
The police may seize the car if they suspect there is no insurance. In this case they got it wrong. The car was insured. They would gain a lot more credibility and support if they re-imbursed this young lady the £150 plus another £50 for her inconvenience. Not a lot to pay for a good public relations exercise.
Dodge9
says...
11:44am Wed 6 Feb 13
I carry copies of mine just in case I hear "Ihre papiere bitte" from one of our over zealous masters.
Outraged English Subject
says...
11:57am Wed 6 Feb 13
Apollo
says...
11:58am Wed 6 Feb 13
Before I am asked to pay for another 44 of them I would very much prefer if those already employed did their jobs.
alfierowe
says...
1:37pm Wed 6 Feb 13
Not so simple
says...
1:53pm Wed 6 Feb 13
A car taken off the legal keeper due to failures either with the police/insurance or PnC. The owner, under common law has broken no laws and nobody has the right to forfeit or take any of her belongings till it goes to court and is proven that she broke a law. It's not against the law to drive a vehicle that the police Beleive may not be insured....yes Beleive is the word. The Police have to have your consent to apply these laws/their laws upon our personal belongings.
This lady should speak to a constitutional lawyer and have a judicial review of the entire process. I can bet you a pint of spicy bantams that it will be found to be illegal and unconstitutional.
The police are here to kee the peace...not to enforce policy. Know your rights. I will post something on next so people can check this out for themselves.
tyker2
says...
1:56pm Wed 6 Feb 13
Not so simple wrote:what:just take county court action against the insurer END OF
This is a very alarming development.
A car taken off the legal keeper due to failures either with the police/insurance or PnC. The owner, under common law has broken no laws and nobody has the right to forfeit or take any of her belongings till it goes to court and is proven that she broke a law. It's not against the law to drive a vehicle that the police Beleive may not be insured....yes Beleive is the word. The Police have to have your consent to apply these laws/their laws upon our personal belongings.
This lady should speak to a constitutional lawyer and have a judicial review of the entire process. I can bet you a pint of spicy bantams that it will be found to be illegal and unconstitutional.
The police are here to kee the peace...not to enforce policy. Know your rights. I will post something on next so people can check this out for themselves.
tyker2
says...
1:56pm Wed 6 Feb 13
Not so simple wrote:what:just take county court action against the insurer END OF
This is a very alarming development.
A car taken off the legal keeper due to failures either with the police/insurance or PnC. The owner, under common law has broken no laws and nobody has the right to forfeit or take any of her belongings till it goes to court and is proven that she broke a law. It's not against the law to drive a vehicle that the police Beleive may not be insured....yes Beleive is the word. The Police have to have your consent to apply these laws/their laws upon our personal belongings.
This lady should speak to a constitutional lawyer and have a judicial review of the entire process. I can bet you a pint of spicy bantams that it will be found to be illegal and unconstitutional.
The police are here to kee the peace...not to enforce policy. Know your rights. I will post something on next so people can check this out for themselves.
seen it all before
says...
1:58pm Wed 6 Feb 13
Not so simple
says...
2:13pm Wed 6 Feb 13
You tube
John Harris a carpenters view.
Also google a website called tpuc.org
Welcome to the real world and you can thank me later.
Thepolice and the authorities have been dumbed down over years, most just enforce and do not understand the law they enforce....as they are trained not to understand otherwise they would be doing their job properly and protecting us under common law.
Time people awoke from this slumber
Prisoner Cell Block A
says...
2:17pm Wed 6 Feb 13
If not, try check some of the blogs and reports surrounding that.
Prisoner Cell Block A
says...
2:25pm Wed 6 Feb 13
om/watch?v=rtkdDMSXM
mc
bd7 helper
says...
2:47pm Wed 6 Feb 13
tyker2 wrote:YOU SHOULD HAVE TOLD EM TO RING THE INSURANCE COMPANY.....
there is no argument:the car was insured and the insurance company is culpable for not updating the records. They should pay the compound fees. However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
tyker2
says...
2:54pm Wed 6 Feb 13
bd7 helper wrote:they should do that but only if they were told which company insured the car. if she did not know or failed to tell them or was otherwise Bolshi with them they have, stupidly, acted as they have thereby causing all this kerfuffle.Much Ado About Nowt as Shakespeare wrote.
tyker2 wrote:YOU SHOULD HAVE TOLD EM TO RING THE INSURANCE COMPANY.....
there is no argument:the car was insured and the insurance company is culpable for not updating the records. They should pay the compound fees. However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
The police need to apologise, the insurance company should apologise and pay the fees involved. Problems solved
bd7 helper
says...
2:55pm Wed 6 Feb 13
Joedavid
says...
3:09pm Wed 6 Feb 13
Prisoner Cell Block A wrote:http://www.youtube.c
http://www.youtube.c
om/watch?v=rtkdDMSXM
mc
om/watch?v=rtkdDMSXM mc - did not match any documents.
hn0o0258
says...
3:17pm Wed 6 Feb 13
The vehicle not being on the MID is not in itself enough to trigger the vehicle seizure. There must be some other cause for suspicion if the driver asserts it is insured.
Provided the Officer had no other reasonable grounds for suspicion If Debbie is reading this, a letter before action to our chief constable Mark Gilmore giving him 14 days to refund the money, followed by a claim against him in the fast track of the County Court.
Include your insurance Co. as well.
I am not a lawyer and this is not legal advise.
Apollo
says...
3:28pm Wed 6 Feb 13
The average Policemen is no towering intellect and is generally of lower intelligence that the average member of the public and most criminals.
We need to raise the standard and not keep on lowering the bar.
Stories like the above simply reinforce my point and I include the Chief Inspector in this case.
Stuart_B
says...
4:06pm Wed 6 Feb 13
tyker2 wrote:"However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
there is no argument:the car was insured and the insurance company is culpable for not updating the records. They should pay the compound fees. However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
Where are you getting that bit from ...?
ANY WHERE BUT HERE
says...
4:41pm Wed 6 Feb 13
piper56
says...
5:36pm Wed 6 Feb 13
Not so simple
says...
5:42pm Wed 6 Feb 13
ANY WHERE BUT HERE wrote:Lol
She was white! and on Leeds road, easy pickings?
Not so simple
says...
5:47pm Wed 6 Feb 13
tyker2 wrote:The bigger picture is; the police only use the powers of confiscation justified by laws they believe to be correct. If the law is flawed then the police and courts are acting illegally. One too many laws is questionable.
Not so simple wrote:what:just take county court action against the insurer END OF
This is a very alarming development.
A car taken off the legal keeper due to failures either with the police/insurance or PnC. The owner, under common law has broken no laws and nobody has the right to forfeit or take any of her belongings till it goes to court and is proven that she broke a law. It's not against the law to drive a vehicle that the police Beleive may not be insured....yes Beleive is the word. The Police have to have your consent to apply these laws/their laws upon our personal belongings.
This lady should speak to a constitutional lawyer and have a judicial review of the entire process. I can bet you a pint of spicy bantams that it will be found to be illegal and unconstitutional.
The police are here to kee the peace...not to enforce policy. Know your rights. I will post something on next so people can check this out for themselves.
The smaller picture is that the insurer will recompense as it failed to submit or update.
Common sense says the officer should have used his discretion and not acted like a bully to compound the car.
Not so simple
says...
6:00pm Wed 6 Feb 13
Prisoner Cell Block A wrote:Sir, check your facts for yourself or get a trustworthy lawyer/judge to advise you rather then base your understanding on some blog on the world wide web.
Is that related to the Freeman movement at all Not so simple?
If not, try check some of the blogs and reports surrounding that.
I have studied law...it's complicated to ensure the ordinary human being cannot understand it and brings in lawyers to represent them....totally unwarranted as one can represent oneself in court and the judges and advocates hate this, especially if you understand the law and the context it's been written in and the context it is applied.
Laws are written using commercial terms. They are enforced and propagated by corporations, yes the UK Govt is a company, so is the police and so are the law courts. Check it out for yourself.
Companies are legal entities...companies cannot rule a nation or make laws for the citizens as companies are soulless and do not have morals as per the reasonable human being.
There is an awful lot of misinformation on this subject (freeman movement)
Even constitutional lawyers don't understand it as its common sense!
Put it very simply; The law of this land is common law. The Queen, Courts, Police have sworn an oath to protect us under common law.
All other statutes/laws are only enforceable if you consent to being a party to the contract.
Read up and understand the Magna Carta and the Bill of Rights.
The human being takes priority over companies as we are independent and divine(special). Companies are profit mongering and rather irresponsible.
Don't take my word for it, always best to research these things yourself.
God bless and peace.
Not so simple
says...
6:04pm Wed 6 Feb 13
Joedavid wrote:Had an ex police traffic officer not been a member of the family of the victim, than I reckon this story would never have seen the light of day.
OT.
I find it interesting the ages of the car, lady involved, her daughter and father given why?
Police Inspectors age is missing though.
Tollerboy
says...
6:08pm Wed 6 Feb 13
As the lady had received her certificate through the post the insurance company had ample time to update the computer.
Thus the insurers, Swinton or 'other' should pay up.
Simple as that!
Not so simple
says...
6:09pm Wed 6 Feb 13
Apollo wrote:Agree.
Unfortunately it is not only the Law and its applications that has been dumbed down in recent years.
The average Policemen is no towering intellect and is generally of lower intelligence that the average member of the public and most criminals.
We need to raise the standard and not keep on lowering the bar.
Stories like the above simply reinforce my point and I include the Chief Inspector in this case.
Not so simple
says...
6:11pm Wed 6 Feb 13
bd7 helper wrote:They only ring on telly as they have cameras pointing at them. Without a camera there the gestapolice can be very rude and down right criminal in their actions and understandings of the law...,not fit for purpose.
I RECKON THE POLICE AND RECOVERY TEAM ARE MAKING MONEY, ANOTHER SCAM BY THE POLICE AND THE RECOVERY TEAM. GET IT QUIZZED WHY DIDNT THE POLICE RING YOUR INSURANCE COMPANY! TRAFFIC POLICE BBC1 AND POLICE INTERCEPTORS CHANNEL 5 THEY RING AND PROVE YOU WRONG!! GET THAT MONEY BACK!!!!
Not so simple
says...
6:15pm Wed 6 Feb 13
Tollerboy wrote:Rubbish. Read articles 12-14 of the bill of rights and make this ludicrous comment that the compounding of an innocent persons vehicle or property is legal.
The Police acted correctly.
As the lady had received her certificate through the post the insurance company had ample time to update the computer.
Thus the insurers, Swinton or 'other' should pay up.
Simple as that!
Then read article 61 of the Magna Carta and understand what that's about.
Honestly the ignorance on here is shocking.
Not so simple
says...
6:17pm Wed 6 Feb 13
webshow wrote:Magna Carta article 61 is your protection. No judge or police officer in their right minds would ever take action.
We are in a police state but no one knows it till they fall. Get out on the streets.
It's all about lawful rebellion.
See my earlier posts on Freeman on the land
YouTube jack Harris a carpenters view
Google British Constistuiton Group
Also check out TPUC.org
No bull here....all sense.
Not so simple
says...
6:20pm Wed 6 Feb 13
I have many officer mates and meet a few at the pubs, they agree with me as when they learn and study the laws for themselves they contradict their training.
Always respect the police, they are humans just like us and need to be assisted as and when we can.
Respect and peace out
jh137
says...
6:23pm Wed 6 Feb 13
oreilly.john.1990@goYet another case of Swinton Insurance Brokers lax record keeping. A couple of years ago we were out on a shopping trip and got pulled over(mortified). The police computer had flagged up 'no insurance'. Even though the DD had left the bank on the due dates, Swintons had cancelled the policy as they couldnt get confirmation of my 'no claims' from my previous insurer. No recorded/signed for letter to warn us (apparently theyre not obliged to).A large fine and points later.I can no longer afford to run a vehicle.The DD we'd been paying was for the cancellation fees, the balance of the policy and for (free) breakdown cover. Swintons didnt want to know...and BTW we didnt get a lift home after the car was seized and we were out for the day.
oglemail.com wrote:
cassetteman wrote:Sorry but 'a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database.' is not a valid excuse here, She had already received her insurance certificate in the post which Is a few days in itself, how long do they need to add a record onto a database saying this car is insured.
A few things here.
She dealt through Swintons, (which is an intermediary and not an insurance company or provider in the strictest sense), so there will have been a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database. If you insure with an on-line insurance company directly the updating of the MID is pretty much instantaneous.
You can check the MID yourself online to see if the update happened and therefore save yourself all this hassle.
Always carry your insurance documents as ultimate proof, hide them somewhere in the vehicle if needs be.
The requirement to "provide" is mandatory, irrespective of what it says on the MID, the retired PC would know this but I can understand his frustration on this occasion what with it being his daughter.
I guess she will have to take it on the chin, I cannot see her getting very far with Swintons or her insurance provider.
Swinton need to be fined, you have wouldnt get away with being laxed in making your payments why allow them to be laxe din updating the national database so you dont get hassled by the police.
granty04
says...
6:37pm Wed 6 Feb 13
Not so simple
says...
6:39pm Wed 6 Feb 13
jh137 wrote:Swinton need to have their trading banned.
oreilly.john.1990@goYet another case of Swinton Insurance Brokers lax record keeping. A couple of years ago we were out on a shopping trip and got pulled over(mortified). The police computer had flagged up 'no insurance'. Even though the DD had left the bank on the due dates, Swintons had cancelled the policy as they couldnt get confirmation of my 'no claims' from my previous insurer. No recorded/signed for letter to warn us (apparently theyre not obliged to).A large fine and points later.I can no longer afford to run a vehicle.The DD we'd been paying was for the cancellation fees, the balance of the policy and for (free) breakdown cover. Swintons didnt want to know...and BTW we didnt get a lift home after the car was seized and we were out for the day.
oglemail.com wrote:
cassetteman wrote:Sorry but 'a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database.' is not a valid excuse here, She had already received her insurance certificate in the post which Is a few days in itself, how long do they need to add a record onto a database saying this car is insured.
A few things here.
She dealt through Swintons, (which is an intermediary and not an insurance company or provider in the strictest sense), so there will have been a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database. If you insure with an on-line insurance company directly the updating of the MID is pretty much instantaneous.
You can check the MID yourself online to see if the update happened and therefore save yourself all this hassle.
Always carry your insurance documents as ultimate proof, hide them somewhere in the vehicle if needs be.
The requirement to "provide" is mandatory, irrespective of what it says on the MID, the retired PC would know this but I can understand his frustration on this occasion what with it being his daughter.
I guess she will have to take it on the chin, I cannot see her getting very far with Swintons or her insurance provider.
Swinton need to be fined, you have wouldnt get away with being laxed in making your payments why allow them to be laxe din updating the national database so you dont get hassled by the police.
I recall a pal who was insured with them.
Prior to his renewal he had sold the vehicle and got another insurance company to insure him.
He was alarmed to see that Swinton were still taking payments from his account eventhough his insurance had finished.
When we queried this with Swinton on manningham lane, we were referred to a term/condition in their policy that states in small print they can renew your insurance of you do not make contact to cancel or even ask for a renewal.
I sat the Swinton manager down and explained what terms they cannot put into contracts and that insuring a vehicle twice was also not good.
The manager apologised and refunded the monies.
These guys should be called swindlers not Swinton.
Also the branch near frizinghall. I went along with a pal to check out some quotes he had received for a commercial vehicle. I was surprised to find a persons working their who had worked for cox insurance aka insure.co.uk in little Germany....I had trained some of these guys and was very dissociated with them as their knowledge was very poor...how Swinton employed them was beyond me...value for money probably!
cassetteman
says...
6:44pm Wed 6 Feb 13
Cut out the middle man / men / women when it comes to car insurance and that is always purchase on line, assuming you have access of course. I never thought I would say that but some things are better done electronically, that way you are in control.
Not wishing to target Swintons specifically but they are from a bye-gone era when service mattered but now it is all profit motivated.
Example; when my car insurance was due I asked for a quote from an intermediary, for that read "broker", and they could not come anywhere near my renewal in respect to either service or price so I went with a "direct" provider. Printed my own certificate, albeit temporary, and my car was on the MID within minutes.
Telfordboy
says...
6:47pm Wed 6 Feb 13
Not so simple
says...
7:05pm Wed 6 Feb 13
Telfordboy wrote:So basically it appears to be an organised crime syndicate using other parties as a front to ensure liability is kept away from the enforcer....just like bailiffs!
I work for a Police Recovery Operator (not in Bradford). A Certificate of Insurance is not proof of insurance in this situation because even if you pay monthly, the certificate is issued at the start of the policy. If you then fail to make the payments, your policy is cancelled but you still have the certificate. Hence the reason the police rely on the insurance database. The £150.00 is paid to the recovery operator but you are then issued with a receipt on behalf of the police as the recovery operator collects the fee on their behalf
Telfordboy
says...
7:11pm Wed 6 Feb 13
Not so simple
says...
7:16pm Wed 6 Feb 13
Telfordboy wrote:Insurance has a protocol which still covers your vehicle for 14 days after the policy has expired....just incase you never received the renewal etc. ask your insurer and read the small print.
The problem with paying monthly is that if you miss a payment, the insurance company do not allow you a second chance and just cancel the policy without telling you. The recovery operator is paid £30.00 out of the £150.00. The rest goes to the police. If the vehicle is not collected within 14 days (by which time it will have accrued charges of £430.00) it is scrapped.
Most policies are monthly, contracts to pay from the customer. Any breach is only realised till end or start of next month....thus if you do get pulled you are covered if you make the payment.
Funny how an out of Police recovery chap seems to defend the police. Good man.
Not so simple
says...
7:17pm Wed 6 Feb 13
Not so simple wrote:You get paid £30 out of £150. Mate you are doing yourself out of business as the amounts you suggest you take do not make sense and I do not Beleive you...
Telfordboy wrote:Insurance has a protocol which still covers your vehicle for 14 days after the policy has expired....just incase you never received the renewal etc. ask your insurer and read the small print.
The problem with paying monthly is that if you miss a payment, the insurance company do not allow you a second chance and just cancel the policy without telling you. The recovery operator is paid £30.00 out of the £150.00. The rest goes to the police. If the vehicle is not collected within 14 days (by which time it will have accrued charges of £430.00) it is scrapped.
Most policies are monthly, contracts to pay from the customer. Any breach is only realised till end or start of next month....thus if you do get pulled you are covered if you make the payment.
Funny how an out of Police recovery chap seems to defend the police. Good man.
Outraged English Subject
says...
7:19pm Wed 6 Feb 13
Not so simple wrote:Agree.
Telfordboy wrote:Insurance has a protocol which still covers your vehicle for 14 days after the policy has expired....just incase you never received the renewal etc. ask your insurer and read the small print.
The problem with paying monthly is that if you miss a payment, the insurance company do not allow you a second chance and just cancel the policy without telling you. The recovery operator is paid £30.00 out of the £150.00. The rest goes to the police. If the vehicle is not collected within 14 days (by which time it will have accrued charges of £430.00) it is scrapped.
Most policies are monthly, contracts to pay from the customer. Any breach is only realised till end or start of next month....thus if you do get pulled you are covered if you make the payment.
Funny how an out of Police recovery chap seems to defend the police. Good man.
Telfordboy
says...
7:31pm Wed 6 Feb 13
granty04
says...
7:48pm Wed 6 Feb 13
Telfordboy
says...
8:10pm Wed 6 Feb 13
jh137
says...
8:16pm Wed 6 Feb 13
why are we not surprised?
Ive just told my other half about this item, wish we'd known when it happened to us (see my earlier post) that they make a habit of this. Ive been driving for over 30 years w/out a blemish ;-(
Not so simple
says...
8:16pm Wed 6 Feb 13
Telfordboy wrote:Uninsured vehicles. they can be a pain for recovery operators who get paid to recover them? How else would you make your money? Lol you just digging a bigger hole for yourself. No idea about insurance and you charge £30 to recover a car...dude you are a bargain as that £30 pays for your fuel,your insurance and your time anc youve gotta pay tax on that income, bargain.
I am not defending the police because uninsured vehicles are the bane of a recovery operators life as most people are innocently unaware of the fact that they are uninsured and there are many times that we will try and reduce the fees for them by juggling the days storage to make it easier for them. I am merely saying how it works. If you fail to pay monthly payments, you do not have 14 days grace. unfortunately, we do also get a vast amount of regular visitors reclaiming their cars who deliberately drive round in old cars without insurance and take the risk they won't be caught. Have to say they are normally from East European countries and it is them that cause our premiums to increase
Secondly do you know how many "insured vehicles are on the road" ? Loads.
What percentage of the total vehicles in the UK are not insured excluding those on SORN or awaiting to be scrapped....you will find that the percentage is very little.
Thirdly, the MIB gets a percentage of all our insurance premiums as well as insurance premium tax going to the government...million
s and millions of pounds in income. You telling me this wasteful dept cannot deal to insure the losses accrued by incidents of the non insured vehicles....utter non sense and if you check figures from govt sources you will scratch your head and think none of these millions spent on enforcing insurance on a small minority make sense....as the vast majority pay for it with enough premiums to handle all claims three times over.
Fourthly I have first hand experience of insurance from the profit orientated underwriters to the ill informed police who enforce the issue of insurance. Your explanation is rather lame and somewhat I'll informed.
Also point note noting; have you guys got any idea as to the cost of comprehensive insurance policies in Europe or should I say eastern Europe? Well let me explain quickly.
Europeans pay half if not 75 % less then what we pay here and they are insured to drive in any country in Europe. Soon you will see as they all cotton on and start driving more valuable cars on the roads fully insured from European insurance companies.
WayneRouke
says...
8:17pm Wed 6 Feb 13
a) The prevalence of people paying one months premium then stopping the direct debit,just to get an insurance certificate for potential productions, makes the printed document unbelievable and as such worthless. The police therefore, should believe the electronic data. Therefore, We, as insureds, are as such totally reliant upon the insurers entering the data in a speedy and efficient manner. Therefore the system is flawed as it relies on humans.
2) From what I have read, it means that I could be stopped on my way to work, produce my brand new certificate of insurance but my car may be taken away (without authority) if the details havent been entered electronically. But if I am legally insured, then taking my vehicle without my consent is tantamout the theft, regardless of whether its a hoodlum or the police.
3) BUT, I am not sure due process has been followed here. ALL(as far as I know) insurers have a 24 hour hotline, primarily for claims. From what I have seen on the TV, when a vehicle comes up as uninsured, and no certificate, the police ring the insurance company direct who confirm or deny cover (they maintain their own systems). I do not believe the police actually confirmed cover with the insurer.
Therefore, in my mind, both the insurer and the police are guilty. The insurer for not updating the database and the police for not confirming cover with the company itself.
I do know this, if my perfectly legal car is taken away over such a mistake, I will not particularly care who is at fault, I just know I am perfectly innocent, and would immediately make my way to the nearest solicitors, and will be pressing for the maximum charges are applied to whoever is at fault. I would be pressing for a charge of theft.
Not so simple
says...
8:18pm Wed 6 Feb 13
jh137 wrote:Typical
'No-one at Swinton insurance brokers was available for comment when contacted by the Telegraph & Argus'...
why are we not surprised?
Ive just told my other half about this item, wish we'd known when it happened to us (see my earlier post) that they make a habit of this. Ive been driving for over 30 years w/out a blemish ;-(
Not so simple
says...
8:20pm Wed 6 Feb 13
WayneRouke wrote:Theft alright and breach of freedom to travel.
This is rather concerning, for two reasons:
a) The prevalence of people paying one months premium then stopping the direct debit,just to get an insurance certificate for potential productions, makes the printed document unbelievable and as such worthless. The police therefore, should believe the electronic data. Therefore, We, as insureds, are as such totally reliant upon the insurers entering the data in a speedy and efficient manner. Therefore the system is flawed as it relies on humans.
2) From what I have read, it means that I could be stopped on my way to work, produce my brand new certificate of insurance but my car may be taken away (without authority) if the details havent been entered electronically. But if I am legally insured, then taking my vehicle without my consent is tantamout the theft, regardless of whether its a hoodlum or the police.
3) BUT, I am not sure due process has been followed here. ALL(as far as I know) insurers have a 24 hour hotline, primarily for claims. From what I have seen on the TV, when a vehicle comes up as uninsured, and no certificate, the police ring the insurance company direct who confirm or deny cover (they maintain their own systems). I do not believe the police actually confirmed cover with the insurer.
Therefore, in my mind, both the insurer and the police are guilty. The insurer for not updating the database and the police for not confirming cover with the company itself.
I do know this, if my perfectly legal car is taken away over such a mistake, I will not particularly care who is at fault, I just know I am perfectly innocent, and would immediately make my way to the nearest solicitors, and will be pressing for the maximum charges are applied to whoever is at fault. I would be pressing for a charge of theft.
//M\\W
says...
8:25pm Wed 6 Feb 13
Blotto wrote:Not Really, because it can take upto three days for the system to update when you purchase or renew a policy.
The Insurance Company were lax in updating their records to the PNC. Therefore they should be the ones doing the reimbursement! They should also be fined for it as well!!
The police officer should have called the insurance company as they have the phone numbers for nearly all of them or at least looked at the certificate at her home.
It is the police officers fault he could have just told her to produce the documents in seven days instead of taking the car but he wanted to seize it to meet his target.
//M\\W
says...
8:28pm Wed 6 Feb 13
Telfordboy
says...
8:29pm Wed 6 Feb 13
Not so simple wrote:We don't charge £30.00 per car.We get £30.00 out of the £150.00 and we do not fix the charges As I have already said, we make our money by the other aspects of police work along with the various motoring organisations. Working for the police with regards to uninsured vehicles is not profitable at all.If we had the choice, we would not do the uninsured recovery but as I have already said, we have no choice like all recovery operators in this country. We cannot pick and choose. Either you take all of the police contract or nothing at all. We lose money on the uninsured vehicles but we gain on other aspects of the contract.
Telfordboy wrote:Uninsured vehicles. they can be a pain for recovery operators who get paid to recover them? How else would you make your money? Lol you just digging a bigger hole for yourself. No idea about insurance and you charge £30 to recover a car...dude you are a bargain as that £30 pays for your fuel,your insurance and your time anc youve gotta pay tax on that income, bargain.
I am not defending the police because uninsured vehicles are the bane of a recovery operators life as most people are innocently unaware of the fact that they are uninsured and there are many times that we will try and reduce the fees for them by juggling the days storage to make it easier for them. I am merely saying how it works. If you fail to pay monthly payments, you do not have 14 days grace. unfortunately, we do also get a vast amount of regular visitors reclaiming their cars who deliberately drive round in old cars without insurance and take the risk they won't be caught. Have to say they are normally from East European countries and it is them that cause our premiums to increase
Secondly do you know how many "insured vehicles are on the road" ? Loads.
What percentage of the total vehicles in the UK are not insured excluding those on SORN or awaiting to be scrapped....you will find that the percentage is very little.
Thirdly, the MIB gets a percentage of all our insurance premiums as well as insurance premium tax going to the government...million
s and millions of pounds in income. You telling me this wasteful dept cannot deal to insure the losses accrued by incidents of the non insured vehicles....utter non sense and if you check figures from govt sources you will scratch your head and think none of these millions spent on enforcing insurance on a small minority make sense....as the vast majority pay for it with enough premiums to handle all claims three times over.
Fourthly I have first hand experience of insurance from the profit orientated underwriters to the ill informed police who enforce the issue of insurance. Your explanation is rather lame and somewhat I'll informed.
Also point note noting; have you guys got any idea as to the cost of comprehensive insurance policies in Europe or should I say eastern Europe? Well let me explain quickly.
Europeans pay half if not 75 % less then what we pay here and they are insured to drive in any country in Europe. Soon you will see as they all cotton on and start driving more valuable cars on the roads fully insured from European insurance companies.
Not so simple
says...
8:31pm Wed 6 Feb 13
//M\\W wrote:A police office at fault....I would never have guessed especially since the recent trial of a senior detective involved in the leveson inquiry (joke of an inquiry ) trying to relay certain information I believe for some financial gain potentially.
Blotto wrote:Not Really, because it can take upto three days for the system to update when you purchase or renew a policy.
The Insurance Company were lax in updating their records to the PNC. Therefore they should be the ones doing the reimbursement! They should also be fined for it as well!!
The police officer should have called the insurance company as they have the phone numbers for nearly all of them or at least looked at the certificate at her home.
It is the police officers fault he could have just told her to produce the documents in seven days instead of taking the car but he wanted to seize it to meet his target.
Also don't forget our ex cheif bolockmaster Mr Bettison and the Hillsbourough inquiry.
We must remember that we are all humans and such we can all make "mistakes"
Rememebr mr Huhne the Libdem MP....what dept was he shadowing and this guy I think was a cabinet minister.
The entire system stinks and is on the brink of collapse.
Our once great police force has been left in tatters.
plebgate
says...
8:41pm Wed 6 Feb 13
one silvr lining is this govenment knows this and the police dont like it hence there bullying but as they say give em pleanty of rope
Telfordboy
says...
8:49pm Wed 6 Feb 13
RollandSmoke
says...
8:58pm Wed 6 Feb 13
Not so simple wrote:Cox insurance was a dodgy setup. I had a brief stint with them myself after few years with Direct Line. Wasn't comfortable with how the sales dept operated at all. I did have an enjoyable evening out with them though at a certain curry house. They had booked the entire upstairs. We filled the place with smoke as we sampled each others wares. The curry was nice too.
jh137 wrote:Swinton need to have their trading banned.
oreilly.john.1990@goYet another case of Swinton Insurance Brokers lax record keeping. A couple of years ago we were out on a shopping trip and got pulled over(mortified). The police computer had flagged up 'no insurance'. Even though the DD had left the bank on the due dates, Swintons had cancelled the policy as they couldnt get confirmation of my 'no claims' from my previous insurer. No recorded/signed for letter to warn us (apparently theyre not obliged to).A large fine and points later.I can no longer afford to run a vehicle.The DD we'd been paying was for the cancellation fees, the balance of the policy and for (free) breakdown cover. Swintons didnt want to know...and BTW we didnt get a lift home after the car was seized and we were out for the day.
oglemail.com wrote:
cassetteman wrote:Sorry but 'a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database.' is not a valid excuse here, She had already received her insurance certificate in the post which Is a few days in itself, how long do they need to add a record onto a database saying this car is insured.
A few things here.
She dealt through Swintons, (which is an intermediary and not an insurance company or provider in the strictest sense), so there will have been a delay between taking out the policy and Swintons liaising with the insurance provider and, ultimately, the updating of the Motor Insurance Database. If you insure with an on-line insurance company directly the updating of the MID is pretty much instantaneous.
You can check the MID yourself online to see if the update happened and therefore save yourself all this hassle.
Always carry your insurance documents as ultimate proof, hide them somewhere in the vehicle if needs be.
The requirement to "provide" is mandatory, irrespective of what it says on the MID, the retired PC would know this but I can understand his frustration on this occasion what with it being his daughter.
I guess she will have to take it on the chin, I cannot see her getting very far with Swintons or her insurance provider.
Swinton need to be fined, you have wouldnt get away with being laxed in making your payments why allow them to be laxe din updating the national database so you dont get hassled by the police.
I recall a pal who was insured with them.
Prior to his renewal he had sold the vehicle and got another insurance company to insure him.
He was alarmed to see that Swinton were still taking payments from his account eventhough his insurance had finished.
When we queried this with Swinton on manningham lane, we were referred to a term/condition in their policy that states in small print they can renew your insurance of you do not make contact to cancel or even ask for a renewal.
I sat the Swinton manager down and explained what terms they cannot put into contracts and that insuring a vehicle twice was also not good.
The manager apologised and refunded the monies.
These guys should be called swindlers not Swinton.
Also the branch near frizinghall. I went along with a pal to check out some quotes he had received for a commercial vehicle. I was surprised to find a persons working their who had worked for cox insurance aka insure.co.uk in little Germany....I had trained some of these guys and was very dissociated with them as their knowledge was very poor...how Swinton employed them was beyond me...value for money probably!
smitd
says...
9:29pm Wed 6 Feb 13
smitd
says...
9:29pm Wed 6 Feb 13
Outraged English Subject
says...
9:57pm Wed 6 Feb 13
collos25
says...
10:12pm Wed 6 Feb 13
So police rely on a private firm who may or may not do their job properly I would hate to think they relied on outside companies when it comes to a serious crime or perhaps they do.
I see the former chief of WYP is being investigated not ony for the Hillsborourg disaster but for his part in stolen cable.
If the quality of the grass roots police officers is lacking those at the top appear to a little dishonest to say the least.
//M\\W
says...
10:22pm Wed 6 Feb 13
Outraged English Subject wrote:NO the same didnt happen to you they didnt take your car.
Yes, the same happened to me last month I had the seven day cover note in the car and the police said thank you sir, was on my way in about three minutes.
yezboss
says...
10:37pm Wed 6 Feb 13
yezboss
says...
10:37pm Wed 6 Feb 13
47years
says...
10:51pm Wed 6 Feb 13
Not so simple
says...
11:32pm Wed 6 Feb 13
Telfordboy wrote:Sounds like a scam. Dump the police contract
One final comment just to show you how wrong the system is: If you have your vehicle seized because you are suspected of using it in a crime, you get it back for nothing even if it is proved that you have in court (for example if you are caught with loads of TV's in the back of the vehicle and it is proved in court that you had stolen them) you get your vehicle back for nothing. On the other hand, if your vehicle is stolen and then recovered by us on behalf of the police, it will cost you £150.00 plus £20.00 per day to get it back, despite the fact you are totally innocent. Fees not set by us. They are set by the Government. They are called Statutory Fees. The system is wrong but that is how it is
Not so simple
says...
11:35pm Wed 6 Feb 13
47years wrote:The powers will never give clear guidance....the statute outside the supreme court has a blindfold on....justice is blind unless you can afford to bs your way through.
The insurance company are clearly at fault here and should be responsible for reimbursing the £150. More importantly they should be compensating the driver for her inconvenience and be fined by the police for not having updated the PNC. Having said that if they were it would only ever be reflected in everyone elses insurance premiums. The powers that be need to look at this issue and give clear guidance.
hn0o0258
says...
2:22am Thu 7 Feb 13
contact@westyorkshir
e-pcc.gov.uk
yezboss
says...
4:58am Thu 7 Feb 13
yezboss wrote:For some reason my post was duplicated, the previous post referred to the fact Police Forces have been told not to rely on the MID as the definitive record.
I would add there are precedents for officers to telephone the insurer to check, that would have been sensible but it seems the time of day may have prevented that, but I like Brian who I know and have served alongside do despair nowadays as all common sense and initiative have disappeared from the 'service'. There is too much reliance on technology which is fallible, and not enough care and consideration which is free and available to all reasonable thinking humans. 'Heads in the sand' are the words which come to my mind. Shame on you West Yorkshire Police.
tyker2
says...
5:23am Thu 7 Feb 13
Stuart_B wrote:are you for real. Procedure is to stop the car on suspicion of no insurance, driver says that cannot be correct as I have it with xyz company bought on or about and it is valid for me and for the car. Police check on insurance computers via phone call. That should have been registered on the insurance computers if nothing else. it was not probably because the agency had not registered it or because driver gave inadequate details. Police say no trace. Driver objects and says it is so. Under the powers they have they can confiscate the car immediately and upon proof of adequate insurance at the time then the car can be returned to the droiver. Do either wrong details given or inadequate details gien of, possibly, the driver was not insured on that car or was insured on another car without that car being showed. Either way I think the police were correct (the giving of seven days to produce before the car was seized was scrapped years ago).
tyker2 wrote:"However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
there is no argument:the car was insured and the insurance company is culpable for not updating the records. They should pay the compound fees. However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
Where are you getting that bit from ...?
The driver,if she was properly insured at the time of the incident has a claim against the insurer or it's appointed agent for not registering the insurance with DVLA.
That said it is very unusual ,in these circumstances, for the police to offer a taxi service home.
were the documents unavailable when she got home and, if the police are offering a taxi service should they have not done that to get prrof of valid and paid insurance before a seizure of the car took place.
All this is very odd and, perhaps, the full story is not recorded in the article.
tyker2
says...
5:23am Thu 7 Feb 13
Stuart_B wrote:are you for real. Procedure is to stop the car on suspicion of no insurance, driver says that cannot be correct as I have it with xyz company bought on or about and it is valid for me and for the car. Police check on insurance computers via phone call. That should have been registered on the insurance computers if nothing else. it was not probably because the agency had not registered it or because driver gave inadequate details. Police say no trace. Driver objects and says it is so. Under the powers they have they can confiscate the car immediately and upon proof of adequate insurance at the time then the car can be returned to the droiver. Do either wrong details given or inadequate details gien of, possibly, the driver was not insured on that car or was insured on another car without that car being showed. Either way I think the police were correct (the giving of seven days to produce before the car was seized was scrapped years ago).
tyker2 wrote:"However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
there is no argument:the car was insured and the insurance company is culpable for not updating the records. They should pay the compound fees. However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
Where are you getting that bit from ...?
The driver,if she was properly insured at the time of the incident has a claim against the insurer or it's appointed agent for not registering the insurance with DVLA.
That said it is very unusual ,in these circumstances, for the police to offer a taxi service home.
were the documents unavailable when she got home and, if the police are offering a taxi service should they have not done that to get prrof of valid and paid insurance before a seizure of the car took place.
All this is very odd and, perhaps, the full story is not recorded in the article.
Andy2010
says...
9:30am Thu 7 Feb 13
tyker2 wrote:This is what I take away from the story
Stuart_B wrote:are you for real. Procedure is to stop the car on suspicion of no insurance, driver says that cannot be correct as I have it with xyz company bought on or about and it is valid for me and for the car. Police check on insurance computers via phone call. That should have been registered on the insurance computers if nothing else. it was not probably because the agency had not registered it or because driver gave inadequate details. Police say no trace. Driver objects and says it is so. Under the powers they have they can confiscate the car immediately and upon proof of adequate insurance at the time then the car can be returned to the droiver. Do either wrong details given or inadequate details gien of, possibly, the driver was not insured on that car or was insured on another car without that car being showed. Either way I think the police were correct (the giving of seven days to produce before the car was seized was scrapped years ago).
tyker2 wrote:"However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
there is no argument:the car was insured and the insurance company is culpable for not updating the records. They should pay the compound fees. However it is clear the driver did not give the police, at the time of the incident, correct details of her insurance policy etc.
we had a similar situation a few years ago when trying to buy road fund licence for her car on line:it flagged up that she was uninsured even though we had paid. The insurance company were very uncooperative until they were told they would be responsible for any impound fees or fines if they persisted in not registering it . They could not seem to accept that their failure meant that we could be stopped anytime even though no other offences had occurred.
The bottom line though is to tell the insurance company to register it immediately and ,maybe, to carry the certificate of the details of the policy with you. This would enable the police to check the details direct with the insurance company
Where are you getting that bit from ...?
The driver,if she was properly insured at the time of the incident has a claim against the insurer or it's appointed agent for not registering the insurance with DVLA.
That said it is very unusual ,in these circumstances, for the police to offer a taxi service home.
were the documents unavailable when she got home and, if the police are offering a taxi service should they have not done that to get prrof of valid and paid insurance before a seizure of the car took place.
All this is very odd and, perhaps, the full story is not recorded in the article.
I highly doubt the full picture is being explained here
Outraged English Subject
says...
10:26am Thu 7 Feb 13
//M\\W wrote:My comment was in response to the comment by smitd at 9:29pm Wed 6 Feb 13 which you’ll find directly above my comment. Which means…? YES the same DID happen to ME and I drove off WITH my new car. You should try reading the thread before you comment!
Outraged English Subject wrote:NO the same didnt happen to you they didnt take your car.
Yes, the same happened to me last month I had the seven day cover note in the car and the police said thank you sir, was on my way in about three minutes.
legallyblonde
says...
1:53pm Thu 7 Feb 13
http://www.askmid.co
m/
you can check your own vehicle for free.
//M\\W
says...
6:06pm Thu 7 Feb 13
hn0o0258 wrote:thanks hes gona get it
Anyone feels strongly enough, email our shiny new police and crime Commissioner on
contact@westyorkshir
e-pcc.gov.uk
//M\\W
says...
6:07pm Thu 7 Feb 13
Outraged English Subject wrote:ok. but it has nothing to do with the article
//M\\W wrote:My comment was in response to the comment by smitd at 9:29pm Wed 6 Feb 13 which you’ll find directly above my comment. Which means…? YES the same DID happen to ME and I drove off WITH my new car. You should try reading the thread before you comment!
Outraged English Subject wrote:NO the same didnt happen to you they didnt take your car.
Yes, the same happened to me last month I had the seven day cover note in the car and the police said thank you sir, was on my way in about three minutes.
Outraged English Subject
says...
8:10pm Thu 7 Feb 13
//M\\W wrote:I am aware of that, that is how comments can develop and the thread evolve.
Outraged English Subject wrote:ok. but it has nothing to do with the article
//M\\W wrote:My comment was in response to the comment by smitd at 9:29pm Wed 6 Feb 13 which you’ll find directly above my comment. Which means…? YES the same DID happen to ME and I drove off WITH my new car. You should try reading the thread before you comment!
Outraged English Subject wrote:NO the same didnt happen to you they didnt take your car.
Yes, the same happened to me last month I had the seven day cover note in the car and the police said thank you sir, was on my way in about three minutes.
eccythump
says...
11:58pm Thu 7 Feb 13
What now
says...
12:39am Fri 8 Feb 13
albert2003
says...
9:19am Fri 8 Feb 13
http://forums.pepipo
o.com/index.php?show
topic=76496&st=0
Al-gore-alias-liar
says...
3:18pm Fri 8 Feb 13
http://www.bailii.or
g/ew/cases/EWCA/Civ/
2011/749.html
Al-gore-alias-liar
says...
3:27pm Fri 8 Feb 13
Al-gore-alias-liar wrote:The police officer is at risk if he then seizes the vehicle. If it turns out that the driver was uninsured, the certificate was not "the relevant certificate of insurance", and the seizure was justified. If, however, as here, it turns out that the driver was in fact insured under the policy under which the insurance certificate was issued, then the seizure of the vehicle was unauthorised and gives rise to liability for damages in tort.
Mr David Ashley Pryor v The Chief Constable of Greater Manchester Police
http://www.bailii.or
g/ew/cases/EWCA/Civ/
2011/749.html
PaddyBantam says...
7:11am Wed 6 Feb 13