I have to sell my wonderful boy :(

Just as a quick aside. My friend's policy got cancelled by mistake by the insurance company and she drove without insurance for weeks before she realised.

She phoned up to make changes to her renewal and they had to cancel it to do it and then they managed to not set up a new one!

FIL had something similar happen to him when he changed the personalised number plates around on his cars. He got pulled by the cops for no insurance too and was completely unaware of the **** up. Insurance company even admitted it was their mistake to the police.

It does happen sometimes you know.
 
It was a stupid mistake and he might be about to pay for it big time. Police set up patrol cars that check number plates and look on the DVLA database. That will be how they found out he didn't have insurance for his car. That will be when he got pulled up by the unmarked police car.
I wouldn't sell my horse, he made his bed, he's got to lie in it.
 
And anpr isn't always 100%. I had a car that prior to me buying it had been declared sorn for 6mnths. First month I had it I was pulled about 5 times for having no tax. Each time they were able to quickly check it was now taxed, but I was told every time that the computers don't instantly update. And that it can happen the same with new insurance policies. So being pulled by anpr doesn't necessarily mean you are driving illegally.
 
rockysmum said:
Because the only way they would know he had no insurance is if they ran the registration number through their computers.

Why would they do that for no reason. It might have been something as simple as erratic driving or a light out, but there would have been something.
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My OH was stopped ages ago for having no MOT, (geuine mistake I hasten to add - windscreen had not long been replaced - and where do most people put the reminder sticker??? yep on the windscreen!) he wasn't speeding, or driving eratically in fact he was stationary at a junction, as he pulled away the police pulled him over, said they had just run a check and it had shown that the car had no MOT so they pulled him, no other reason than that. They were however very reasonable and understanding about his mistake and let him drive the car home on the understanding that it then when in immediately for an MOT which it did.
 
Jesus Christ csi:hho are off again...
Te insurance company are arguing that he had not sent proof of no claims within a deadline, which he had. That email is in his sent box. There was no warning, they just cancelled it.
I am not avoiding telling you, I just can't be bothered to justify myself and my OH when all I posted for was some cheering up after I had made a decision that frankly does not require any of you to question. I will be selling my boy for ME not my oh.
For those suggesting a moped, my OH was recently in a terrible motorbike accident, that's the last thing I'll be looking at getting.

Eta- the idea of me driving is not to drive him about, he will be able to insure a bike.
I'm not sure why so many of you are finding it hard to understand that this was not his fault and I am not doing this for him. We are hoping to have the matter resolved, but in the event that we can't, Ned will have to go.
 
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As you have the email he sent in his sent box, please make sure you do get on to the FSA first thing on monday, as it sounds like the insurance company is def taking the mick.
This is why I insure with Swift cover, its all online for me to deal with whenever I want!
As my friend had a moped, and had two accidents which were not her fault, in broad daylight, I too would be worried about having one.
 
It is possible to be uninsured without knowing, I had this problem when I first got a car. Hastings failed to set up the direct debit properly and after driving for 6 weeks I got told I hadn't paid payments and was uninsured. Resolved by paying a year up front but I had know way of knowing I wasn't okay to drive my car until they eventually posted me something as it had all been done over the phone until then :rolleyes: Hope it gets sorted. It is sooo expensive getting a license and insurance though, have you taken your test?
 
Toast said:
Thanks for that, thats not what i needed right now.

As i stated before, it isnt his fault. There was no warning they were cancelling his insurance despite their lies that they had tried to contact him. They made several mistakes on the phone this morning and it is being dealt with as best we can and hopefully this will be rectified. However, knowing they have made mistakes they are trying to cover up as best they can and its proving very difficult to get the result we want.
I was just saying the worst case scenario is that he'll have to take the points and fine.

And i shouldn't have to justify why i'd sell my horse in this situation. But as i dont have a license myself, currently i rely on him to take me to the yard to see to my horses every night. I have two, and i will have to sacrifice one, to be able to see to the other.
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Call the ombudsman and see the CAB for advice. I understand about having to rely on someone else to drive you around so can see why you have to make the sacrifice but try looking at all the alternatives before you have to go down that route. Simple shopping around for insurance might be worth its weight in gold or in this case horse flesh.
 
Toast said:
Jesus Christ csi:hho are off again...
Te insurance company are arguing that he had not sent proof of no claims within a deadline, which he had. That email is in his sent box. There was no warning, they just cancelled it.
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a lot of insurance companies wont accept proof of no claims by email. Ive just been through this myself.
They make it very clear that you have to send this by a certain time when you take out your policy that if you dont send proof of no claims by post within a certain period they will cancel.
this is obviously whats happened here.

i emailed mine off to to start with and asked for them to reply to let me know this was received and acceptable.. Finally, they confirmed they'd received it, but wasn't acceptable.they wanted a hard copy!

Gawd knows why they need to be so anal but they do make it clear and im afraid it is the insured person's responsibility so if this is the case with your Insurance co too and im assuming it is, you're right, you're toasted in this case. Check your original policy T&C's.
You should always get confirmation your No claims discount from your past insurer has been received.

not helpful i know and i sympathise , i nearly fell into the same hole myself. :(
 
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Hmm, thats an interesting point Lula, will have to follow that up, though the company is Echoice, and they do most of their communication via email. But as i said i'll make sure i ask about that!!

AmyMay - Bike insurance is considerably cheaper than car insurance, with his 3 points the car insurance was £900 and the bike was £200, even with the extra points it should be more doable than a car.
 
Not read other posts, sorry you are selling your horse, I take it that your o/h will lose job if this is not sorted out, if you can please vet any offer on your horse, it will be a regret.
I hope you can fix this before you need to sell your horse.
 
cindydog said:
Not read other posts, sorry you are selling your horse, I take it that your o/h will lose job if this is not sorted out, if you can please vet any offer on your horse, it will be a regret.
I hope you can fix this before you need to sell your horse.
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Luckily, OH will not lose his job as we reinsured the car with another company quickly after we realised it wasnt insured.
 
Have read most of these posts. So..not all insurance companies require proof of NCB by mail, first central and Sheila's wheels accepted mine by email. Call the police again. Take the name and note the time. Tell them you need an extension to produce all documentation. Call the insurer again. Tell them to put ALL of their statements IN WRITING to you today. Tell them you will be emailing them this request as well so you have a record. Then tell them you are not happy with their response. You are taking this up with the insurance Ombodsman. I have found, to my cost, that stories and advice varies hugely on call to call so be pedantic and push back. Hard. As for selling your horse, etc etc, your call but please do not accept what you are being given in terms of advice from the insurance company or police. Oh btw. Make notes NOW!!! Of times and dates and content of the previous conversation. They will have recorded this and it would be helpful if you can say you called on this date, roughly this time and had this content...and tell,them next time that you have done this and will be requesting a copy of said conversation !
 
amymay said:
Why doesn't he dell his bike to raise the money??
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Because, if you had read my thread properly, he crashed it in july. And before anyone goes accusing him of being a reckless rider. That also was not his fault.

Also, why should he have to raise money for me to learn to drive and insure a car that i need to see to my horses?!
 
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lula said:
There is obviously a little more to this than the OP's mentioning here which is obviously her right, but then we cant advise properly without knowing what as otherwise on the face of it showing proof of payments would be enough to sort this 'misunderstanding' out and the points and fine her OH incurred would be quashed.
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I really don't think Toast came here for advice on this occasion. There's no reason to think anyone here would be insurance or law experts or understand the situation any better than Toast and her OH do.

Surely, sometimes people post just for a bit of moral support or to get stuff off their chest. Others (not meaning you Lula) coming on and doubting the OP's story, hinting her OH is guilty of more than she's letting on, or advising her to leave him are not being terribly helpful IMO. :rolleyes:
 
Aha, sorry thought you were selling the horse to pay for your oh's increased premiums. But of course if its to raise funds to make you mobile then of course that makes sense.

Sounds like your oh has had a run of bad luck. But hopefully the insurance payout on his bike will make things a bit easier.
 
If he has insurance again, then really selling your horse has nothing at all to do with what has just happened, as he can still drive you. More it seems the sale is a desire to be independent from relying on him. I think being independent is VERY important. I could never envisage relying on someone else to run me around, and I got my licence asap at 17 so I could drive myself to the horses.

It is a shame to sell your horse, but by getting your licence and not relying on anyone I think is more important. Don't be hasty though. If he can still drive you for now, then check out how much the cheapest old banger would be and the cheapest third party insurance for you. Driving lessons you don't need so many of if your bf will take you out to practice. Again relying on someone else - but a short term reliance for a lifelong skill!
 
Hollycatt said:
If he has insurance again, then really selling your horse has nothing at all to do with what has just happened, as he can still drive you.
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:confused: But the OP said:

Toast said:
So unless we can rectify the problem, he'll have 6 points and a £200 fine. This puts his point up to 9 in total meaning he just can't afford to insure the car again until the points have gone.
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Hollycatt said:
But she then said he HAD insured the car. So it is now insured.
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But he still has a few days grace, after which if he doesn't show the police he was insured after all, he'll be charged, get points on his licence and won't be able to afford insurance. :(

That's as I understand it, anyway! :o
 
Hollycatt said:
But she then said he HAD insured the car. So it is now insured.
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I think he's now got his car insured with someone else straight after the police stopped him but by that time it was too late and he will prob be getting more points added to his licence and a fine.
From what I understand which could be wrong the OP needs to learn to drive so she can get to the yard without relying on her OH? So she is selling a horse to fund this?

I think the misunderstanding has come from the OP's orig post implying that she's selling the horse to pay her OH's fine and insurance but this isn't the case as she's only selling so she doesn't need him to take her places and she can be more independent?

Her OH had a bike accident (not his fault apparently?) which has understandably put her off getting a moped?

Sorry if this is wrong it's just how I understand it as it is written?

Anyhow, hope you get sorted OP.
 
Spit That Out said:
I think he's now got his car insured with someone else straight after the police stopped him but by that time it was too late and he will prob be getting more points added to his licence and a fine.
From what I understand which could be wrong the OP needs to learn to drive so she can get to the yard without relying on her OH? So she is selling a horse to fund this?

I think the misunderstanding has come from the OP's orig post implying that she's selling the horse to pay her OH's fine and insurance but this isn't the case as she's only selling so she doesn't need him to take her places and she can be more independent?

Her OH had a bike accident (not his fault apparently?) which has understandably put her off getting a moped?

Sorry if this is wrong it's just how I understand it as it is written?

Anyhow, hope you get sorted OP.
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THANKYOU... finally!
The idea of selling is to fund a car so that if he does get the points and is unable to insure a car next year. I have a car and he will have his bike.
OH did have a bike accident yes, he hit an ice cream van that turned infront of him mid over take without signalling. I saw the whole accident as i was on the bike behind. You can find the thread i posted the night of the accident if you look for it. I am currently dealing with PTSD and depression as a result of this. So forgive me, but all the comments doubting my story ect were unfair in this situation.
All i was asking was for a little cheering up :/
 
Hollycatt said:
But she then said he HAD insured the car. So it is now insured.
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Yes, the car is now insured as we figured we best get it done asap incase they do issue the penalty, then the car is already insured and wont cost a bomb. The issue is NEXT year when he comes to insure it again, with nine points its going to be ludicrously expensive.
Therefore he is going to get another bike, and i'll have the car.



Are we straight now?
 
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