I have to sell my wonderful boy :(

I think you will need to tell the new insurance company when/if he gets the penalty Toast - maybe they will raise the payments :( and I hope he told them there is something currently pending when he took the insurance out as I am sure that would affect the premium.

I really applaud you for getting your licence. It is a lifelong skill and will stand you in good stead. Maybe it will all work out and the insurance will admit their fault - but I think its still good to be independent :)
 
Luci07 said:
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. !
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funny cos Sheila's Wheels is exactly who Im insured with and they would not accept my proof of NCB by email in the first instance.

they did eventually however, after a lot of phone calls and emails back and forth but in the first instance i emailed a scanned copy of my NCB to them and thought that was done and dusted. If thats what the OP's OH has done too then i can quite understand how he could have fallen into this trap and they'd then cancelled his insurance policy.

it was only because i hassled them to come back to me and confirm they'd received it they eventually said 'yes but its not good enough' If i hadnt done this i could have unknowingly been driving around uninsured too

Sounds certainly like the OP's OH's email either wasnt acceptable and they didnt bother to let him know Or, it wasnt received by the right numpty in customer service, who knows!

Goodluck to OP though, insurance companies need a kick up the provervial with their service a lot of the time.
 
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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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No not all the time!!
I was driving along a long stretch of country lane a few years ago at night when i was nearly blinded by a car driving up behind me close with lights on full beam, about half a mile later they put on blue lights and pulled me over, policeman said it had come up that i had no insurance, luckily OH had popped into NFU the day before and had realized we had insured our old car (same make, model, colour and year) instead of the current one, and rectified the mistake! Anyway nothing wrong with my driving just wrong place wrong time!!!
 
Toast said:
Interestingly, we had a letter come through in the post today from the insurance company stating that it had been cancelled..... bit late now!!
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When is it dated and does it have a postmark? If if was written/posted after the event (as opposed to being lost in the post), there's your evidence!
 
Toast said:
Interestingly, we had a letter come through in the post today from the insurance company stating that it had been cancelled..... bit late now!!
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That is really good news, keep it and staple the envelope to it, take it to the police station and they will realise that you did not know it was cancelled. Also keep it for at least a year just in case they try to take things further at a later date.
 
Contest it, take it to court and obtain all your evidence to prove your insurance company didn't notify you it was cancelled. Keep fighting it and don't sell your horse.
 
Collect all the information ie the email your OH sent , the letter dated that they sent saying they had cancelled the insurance, plus the date you received it. Write down everything with dates etc.

Also many companies record a phone call for training purposes. You could look into that.

Do go to the CAB they will help.

Do not give up when it is the insurance companies fault.
 
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