Hi everyone, I've never posted on here before but I just wanted to show how these forums can really help people and how one of your posters has got me out of a really sticky situation!
About 2 weeks ago I was pulled over by the police for having no Insurance, I was shocked at the time as I've been driving for 20 years and never driven without insurance. Anyway after a difficult half hour in the back of a police car my vehicle was seized and I was told I would be fined £300 and given 6 penalty points. I couldn't understand what had gone wrong until I returned home and realised my mistake. My wife and I have 2 cars, both Peugeot's with registrations that both begin with the same 4 letters and numbers. In January I received my renewal and as it had increased slightly so I decided to switch insurance companies, problem was I insured the wrong car leaving one car with 2 policies and the other with none. I appreciate this was my mistake and I would have been happy to pay the fine but I was worried about the points, due to the nature of my work I was worried a motoring offence of this nature might affect future work. So in a desperate attempt for help I was googling around trying to find any answers, when I happened across a thread on the RAC forum from 2 years ago where somebody had experienced the exact same situation. As I read down the thread there was a member called 'dacouch' who explained that the Consumer Insurance Act of 2013 states that if the misinformation to the insurance company was neither intentional or reckless and it was just careless, that the Insurance company should honour the insurance and issue a letter of indemnity for the time of the incident. Dacouch even went on to explain exactly what to say to the Insurance company. So after a week of 'discussions' with the Insurance company they agreed to send me the letter of indemnity. I then sent this to the CPU who have issued me with a letter today to say they will no longer be pursuing the matter!
So I just want to say thank you to dacouch, you've really helped me out of a difficult situation. I've noticed you've posted other advice on here recently, so I thought I'd let you know you taking the time out to help people on here is very much appreciated. If I ever met you I'd buy you a drink, not if I was driving obviously! Cheers dacouch
About 2 weeks ago I was pulled over by the police for having no Insurance, I was shocked at the time as I've been driving for 20 years and never driven without insurance. Anyway after a difficult half hour in the back of a police car my vehicle was seized and I was told I would be fined £300 and given 6 penalty points. I couldn't understand what had gone wrong until I returned home and realised my mistake. My wife and I have 2 cars, both Peugeot's with registrations that both begin with the same 4 letters and numbers. In January I received my renewal and as it had increased slightly so I decided to switch insurance companies, problem was I insured the wrong car leaving one car with 2 policies and the other with none. I appreciate this was my mistake and I would have been happy to pay the fine but I was worried about the points, due to the nature of my work I was worried a motoring offence of this nature might affect future work. So in a desperate attempt for help I was googling around trying to find any answers, when I happened across a thread on the RAC forum from 2 years ago where somebody had experienced the exact same situation. As I read down the thread there was a member called 'dacouch' who explained that the Consumer Insurance Act of 2013 states that if the misinformation to the insurance company was neither intentional or reckless and it was just careless, that the Insurance company should honour the insurance and issue a letter of indemnity for the time of the incident. Dacouch even went on to explain exactly what to say to the Insurance company. So after a week of 'discussions' with the Insurance company they agreed to send me the letter of indemnity. I then sent this to the CPU who have issued me with a letter today to say they will no longer be pursuing the matter!
So I just want to say thank you to dacouch, you've really helped me out of a difficult situation. I've noticed you've posted other advice on here recently, so I thought I'd let you know you taking the time out to help people on here is very much appreciated. If I ever met you I'd buy you a drink, not if I was driving obviously! Cheers dacouch