I have to sell my wonderful boy :(

zaminda said:
My partner was pulled over for having no insurance. He had taken out temp insurance, and taxed it a few days previously. The cops rang his insurance company, as their system said he had none, and good old direct line said he wasn't insured! Cops were having a field day, until partner got involved and spoke to woman, who then agreed he was insured. Anyone who says these companies never make mistakes has never had to deal with there incompetance. Don't give up on this, if you can prove it has been paid for fight it all the way, but be prepared to fight, and write lots of letters.
Good luck
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Thankyou, zaminda! The cops tried to call his insurance company that night but their line is only 9 to 5 and this was about 8pm.
Annoyingly he had a 20 minute conversation this morning at £1 a minute with her going round in circles saying they'd phoned him, then hadnt phoned him, then emailed him despite him saying he hadn't received an email. Unfortunately we didnt have time to hang around arguing as i had to go to work and i'd had a call that my appy was wearing his rug round his ankles so OH had to go and rescue him. Hopefully we can have round two with the incompetent woman on monday morning!
 
You really do have my symapthy toast. We had nothing but trouble with our old insurance company, including it taking several attempts to change address! Put everything in writing would be my advice, and don't give up. Give them proof it has been paid, and be prepared to go to court.
 
Don't do it! It's his fault - he can sort it out. Your boy is far too lovely to sell :( I know if I was in your situation I wouldn't even contemplate selling my boy.
 
The police would have done a MID check. This will show whether the vehicle was insured or not and with which Company. When he took out his policy he should have been issued with a cover note, usually for 30 days, once premium paid certificate of insurance is issued. However, if the policy was issued subject to receiving NCD etc and they did not receive then they are entitled to cancel it as long as they give you x days warning by letter by recorded delivery. All this will be in writing. Insurance comapnies do not cancel for the sake of it. It will be due to non payment, non receipt of required docs or non disclosure of material facts.

What reason do they give for cancelling and do you have a certificate or covernote in your possession that is valid for the date they stopped him? If so, you have RTA cover, so police can do nothing. If he did not have cert. or cover note that was valid then no cover.
 
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I have looked at their terms and conditions. They say they can cancel if they give 7 days notice to his last know address.

However they also say the policy can be declared null and void, which I suspect is different in the following circumstances. Did they say why they were cancelling




Your policy may be declared void and you will not be entitled to any benefits or help if:
• part of your application for this insurance; or
• any further changes you ask for under this policy;
you falsely represent or fail to fully and accurately disclose, the answers to the requested information.
For example, this could include:
• not telling us about motoring or criminal convictions;
• not telling us about previous accidents or losses, even if a claim was not made;
• not telling us about modifications to your car;
• giving us false information about who is the registered keeper or owner of your car;
• giving us false information about the main user of your car; or
• giving us false information about the true number of vehicles in your family.
 
To all the people who have said insurances don't just cancel they do.

My friend had his car taken away when his insurance had been cancelled without him knowing, he ended up with points 9 on his lisance. Fight it all the way.
 
I think you should get some quotes first op. It could well turn out that insurance for you as a new driver is the same as his anyway, especially if you factor in the cost of you getting a license. Whatever you think about selling, might be cheaper to move horses close enough to cycle to until oh is back in work.
 
Get a moped! It will cost you about £300 to buy one, plus about £100 to do your CBT. Tax is £15 a year, insurance for 3rd party about £100 depending on age, and they do about 80 miles to the gallon! They arent that fun to ride in the winter, but they are cheaper and better than buses and def cheaper than running a car as a new driver! :)
 
If you are in dispute over what has or has not been posted out to you, why don't you simply use the FOI law and request a copy of all correspondence on your records.

The Company has to respond to an FOI and has to provide the relevant information. Many insurance companies provide a 12 month certificate but collect premiums on a 10 month payment basis. If any payments are missed the company will write out, often twice, before cancelling the cover.
 
if your OH has been out of work since july due to a bad car accident is it possible the installments weren't being paid and the direct debits bounced thereby invalidating the insurance?

i fully understand this isnt what you've said and apologies if im just putting 2 +2 togther and getting 5 but wondering if those 2 facts could be related maybe without your knowledge?

if you're adamant this isnt the case, what reason are the insurance co giving you for cancelling?

i really cant see how this cant be resolved in court if you have bank statements proving payments have been made.
actually, the Courts are a lot fairer and easier to deal with than the Police a lot of the time
 
I used to be an insurance underwriter and a policy is only generaly cancelled due to non payment or non disclosure but Mistakes do happen and are normally only identified after some poor person has been stopped by the police. I probably had cases similar to this referred to me on a weekly basis so its pretty common and more so if u went through a broker.
If your having problems with the front line staff i would definatly ask to speak to a manager at the insurers for them to confirm exactly why they have cancelled and dates/copies of correspondence. if you have proof of payment then i cant see how they can dispute it and they will write you a letter of indemnity for you to take to the police.

If they haven't been taking payment for your policy but you still have your certificate they would of had to advise you they were cancelling in x number of days and ask you to return it. Ask them to provide copies of these and if they can't then again they will indemnify you.

Hope your next call to them won't be so frustrating and your worse case scenario will be forgotten! X
 
backing navaho up here. my close friend is a police man they have a scanner which scans number plates and shows tax, mot, insurance, people insured to drive the vehicle the list goes on .... so if OP's OH was got by the scanner it would instantly highlight lack of insurance. chin up toast looks like you have good evidence on your side :)
 
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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ANPR...............traffic cars have this and it automatically calls out an alarm when it spots a plate that has no insurance, or road tax etc. (I watch too many traffic cops programmes)
 
rockysmum said:
I have looked at their terms and conditions. They say they can cancel if they give 7 days notice to his last know address.

However they also say the policy can be declared null and void, which I suspect is different in the following circumstances. Did they say why they were cancelling




Your policy may be declared void and you will not be entitled to any benefits or help if:
• part of your application for this insurance; or
• any further changes you ask for under this policy;
you falsely represent or fail to fully and accurately disclose, the answers to the requested information.
For example, this could include:
• not telling us about motoring or criminal convictions;
• not telling us about previous accidents or losses, even if a claim was not made;
• not telling us about modifications to your car;
• giving us false information about who is the registered keeper or owner of your car;
• giving us false information about the main user of your car; or
• giving us false information about the true number of vehicles in your family.
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Could it have something to do with this..........with his motorbike accident?
 
EmmasMummy said:
ANPR...............traffic cars have this and it automatically calls out an alarm when it spots a plate that has no insurance, or road tax etc. (I watch too many traffic cops programmes)
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I'm behind the times, I thought they only did this when something attracted their attention.

EmmasMummy said:
Could it have something to do with this..........with his motorbike accident?
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OP doesn't want to tell us why they cancelled the policy I think. Fair enough as she only posted about cancelling without notification. I dont think she is arguing with them about why they cancelled.
 
What about paying insurance monthly rather than up front, makes it a bit more affordable. i assume you get that option over in UK.

I would also get a loan/use credit card/ borrow from family for a running expense rather than selling a capital asset. If I sell something a horse, as saddle etc, I replace it with a capital asset. I borro to meet short term/annual costs.

Look at your alternatives, before doing this.
 
Like others have said, get insurance quotes for yourself first as my friends 21 year old passed his test and bought a 1.1 Saxo and it cost him nearly 3k to insure for the year!!!
If you need lessons then they can be £30 each and I don't even know how much it cost to have a test and the licence fee??
Might be cheaper to pay the insurance on your OH?

When did he get his first 3 points as I'm sure after a couple of years you can pay to have them removed or is that just urban myth?

Mopeds can work out cheap to run?
 
From the insurance company you want a copy of the letter or email they claim to have sent. If they haven't sent a letter which they should have done that's not acceptable.

Secondly we have a tracker van parked next to a major A road every week, it's got a camera on and checks every number plate.
 
Fingers crossed it all gets sorted out.
I would go to court, you should be able to get legal aid but I may be wrong. Let a solicitor represent you get them to contact the insurer and go through all the documentation with you.
Until the matter has gone to court your partner will be able to drive as long as he has insurance which you have said you have taken out.

If you are not driving on the motorway you can drive on L plates with another driver who holds a full licence. Thus not need to do fork out to do your test till you can afford it.
 
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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Sorry for your situation but they do not call they just send letters and as OP stated he would have recieved at least 3, most cancelations are due to non payment...........ask for a copy of all communication, both letters and any potential phone calls attempted.

OH will have bankstatements to show payment made so if this is correct go directly to the FSA who all insurers are regulated by. PM if you want further info as I work in this industry and was a complaints manager and now work in risk.
 
I'm sorry you're dealing with this. Hopefully it gets sorted. I would never sell my horse for someone else unless it was for dramatic reasons. Such as very ill health. Maybe this isn't his fault and that will get sorted. If it is, well I'm afraid he has to do what he has to do. At some stage you will most likely have some resentment. Especially if you give up all you have to make sure he is fine. He basically gets exactly what he wants with very little effort. I'm not trying to paint him in a bad light. Just mentioning that for you this is sacrificing what is most dear to you and he is sacrificing nothing. You become his personal driver too. I guess once you get older you get a bit more cynical about just how much you're willing to give up in life so someone else is happy. I'm married 12 years now. My husband is a great guy and truly loves me as do I him. But he would never in a million years suggest I sell my horses if he screwed up. I know he'd give me anything I wanted and therefore I never ask. Now if he was sick or something catastrophic happened he would never need to ask me to sell the horses because it would already be in motion. I hope you get what I'm trying to say here.

Best of luck,

Terri
 
That's a nasty mess I hope you get it sorted
However I would definatly learn to drive if I where you it's not great to have to depend on others even if they are your OH
 
I don't think you should have to sell your horse to sort out your OH's problems. I get the feeling you are quite young - late teens/early twenties?

Forgive me if I'm wrong and for being the harbinger of doom, but how many early relationships such as this one actually last any great length of time? You don't want to wake up in two or three years time to find you have sold your horse to help out a boyfriend you no longer have?

I may be wrong about your ages, in which case just ignore me.
 
rockysmum said:
I'm behind the times, I thought they only did this when something attracted their attention.



OP doesn't want to tell us why they cancelled the policy I think. Fair enough as she only posted about cancelling without notification. I dont think she is arguing with them about why they cancelled.
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well then we dont have the full facts as she's stated that the policy was cancelled unfairly which is why she's selling the horse in the first place so obviously people are going to concentrate on giving insurance policy law replies that might be able to help her.

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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Toast said:
OH got pulled by an unmarked police car last night seemingly for driving with no insurance.
The insurance company cancelled his insurance without telling him due to a problem with his policy. They made the mistake and are trying to cover up and pin the blame on OH. 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 cant afford to insure the car again until the points have gone.
So im having to sell my 4 year old to pay to get my license and insure his car as mine will be clean and cheaper than his.
Im gutted :(
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I wouldn't sell hoss for him.

What insurance company? Admiral did this to me. I'd paid 100% on day one. Phoned up to renew to discover they'd made a mistake and I'd not been insured for the past few months... no reason was ever given. I was none too pleased and changed insurer quickly
 
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