Hello everybody,
Hopefully someone will be able to shed some light on a few questions I have.
Firstly I know ignorance is not an excuse so before you berate me I am doing a pretty good job myself. My lesson from this is always check your paperwork and if there is anything that doesn't seem right question it with your insurer.
Tonight I was stopped for not having insurance on my Micra. I was certain I did as I took out what I thought was a Multi-car policy with Direct Line along with a Touran in 2014 and renewed in June 2015. On my Touran paperwork it clearly says 'Multi-car discout applied' hence why I thought the Micra was also covered. Memory is a funny thing but I am sure that last year when the policy was started I added the Micra. I am in the process of hunting down old policy docs to confirm this.
I taxed the Micra in March of this year. Which according to Direct Line the Micra was uninsured since June of 2014.
So, three questions to start:
1 - Can you tax an uninsured vehicle? I cannot find anything that answers this question past when the law changed in 2013/2014.
2 - Anyone have experience of why Direct Line include multi-car discount on a single car policy? - Had the Multicar discount said 'Not included' I would have immediately sought insurance for the Micra!!!
3 - How on earth have I gotten away with it for so bloody long?!?!
The real pain in the bum, Direct Line quoted £424 at the time of renewal, Admiral £417 that clearly stated both cars. I got a few more perks with Direct Line so decided to stick. Egg truly on my face now.
Thanks everyone in advance. Any clarification needed please let me know.
Btw. No previous offences or points. 9 years NCD not that it matters!
Hopefully someone will be able to shed some light on a few questions I have.
Firstly I know ignorance is not an excuse so before you berate me I am doing a pretty good job myself. My lesson from this is always check your paperwork and if there is anything that doesn't seem right question it with your insurer.
Tonight I was stopped for not having insurance on my Micra. I was certain I did as I took out what I thought was a Multi-car policy with Direct Line along with a Touran in 2014 and renewed in June 2015. On my Touran paperwork it clearly says 'Multi-car discout applied' hence why I thought the Micra was also covered. Memory is a funny thing but I am sure that last year when the policy was started I added the Micra. I am in the process of hunting down old policy docs to confirm this.
I taxed the Micra in March of this year. Which according to Direct Line the Micra was uninsured since June of 2014.
So, three questions to start:
1 - Can you tax an uninsured vehicle? I cannot find anything that answers this question past when the law changed in 2013/2014.
2 - Anyone have experience of why Direct Line include multi-car discount on a single car policy? - Had the Multicar discount said 'Not included' I would have immediately sought insurance for the Micra!!!
3 - How on earth have I gotten away with it for so bloody long?!?!
The real pain in the bum, Direct Line quoted £424 at the time of renewal, Admiral £417 that clearly stated both cars. I got a few more perks with Direct Line so decided to stick. Egg truly on my face now.
Thanks everyone in advance. Any clarification needed please let me know.
Btw. No previous offences or points. 9 years NCD not that it matters!