Pulled up on M62 because the police register didn't have my car listed as covered. No problem though because my certificate at home would verify my cover so I thought plus my monthly direct debit. The police made contact with AXA via M&S who verified I was covered with them but the registration was 2 digits different ie. XKN and not XHF as it should have been. AXA changed their records and I went on my way.
I returned home to discover my Cert of insurance also had the incorrect registration number. I contacted M&S to ask if they could retrieve the telephone call to verify that I gave the correct info and that it was their admin error. I phoned yesterday to chase this up to be told that I had actually given the incorrect registration number and there was nothing else they could do to help. I was uninsured until the date of changes even though I was paying monthly insurance premiums. I can only assume that this happened due to being stressed out from breakdown of my car.
We have 2 cars but became a 1 car family due to finances and my partners car was left on the driveway for several months. When my car decided to give up on the way home from work, I phoned my insurer to transfer the cover to my partners vehicle. I thought I knew the reg, but for some unknown reason I ended with XKN instead of XHF (the rest of a number plate from one of my previous cars). Unfortunately, XKN is an identical car in London to the one my partner owns in North West. I have nothing to gain by insuring this other vehicle, just a complete mess up with my brain and not reading the documents before filing. Police want to charge me £300 plus give me 6 points. I am going to have my say in court but does anyone have any further advice prior to court? Why should someone who knowingly avoids insurance receive the same punishment as someone who is uninsured through error? Also, shouldn't my insurer have picked up that the car in London was being insured twice? Police could see on their roadside laptop that it was covered twice so I'm sure insurance companies must know. I know ignorance and stupidity are no form of defence but surely this has to be an exception for some leniency?
I returned home to discover my Cert of insurance also had the incorrect registration number. I contacted M&S to ask if they could retrieve the telephone call to verify that I gave the correct info and that it was their admin error. I phoned yesterday to chase this up to be told that I had actually given the incorrect registration number and there was nothing else they could do to help. I was uninsured until the date of changes even though I was paying monthly insurance premiums. I can only assume that this happened due to being stressed out from breakdown of my car.
We have 2 cars but became a 1 car family due to finances and my partners car was left on the driveway for several months. When my car decided to give up on the way home from work, I phoned my insurer to transfer the cover to my partners vehicle. I thought I knew the reg, but for some unknown reason I ended with XKN instead of XHF (the rest of a number plate from one of my previous cars). Unfortunately, XKN is an identical car in London to the one my partner owns in North West. I have nothing to gain by insuring this other vehicle, just a complete mess up with my brain and not reading the documents before filing. Police want to charge me £300 plus give me 6 points. I am going to have my say in court but does anyone have any further advice prior to court? Why should someone who knowingly avoids insurance receive the same punishment as someone who is uninsured through error? Also, shouldn't my insurer have picked up that the car in London was being insured twice? Police could see on their roadside laptop that it was covered twice so I'm sure insurance companies must know. I know ignorance and stupidity are no form of defence but surely this has to be an exception for some leniency?