Car not showing insured on askmid

Fr0dders · 18 Oct 2010 at 20:41

Biohazard said:
^

I don't really believe that.

I do

judging by the treatment one of Maz's customers on here got.

His customer was insured for 7 days on his traders policy. Police demanded he photocopy proof of insurance right now at 2 in the morning or something before they would release the car and not tow it.

for the coppers Computer database > all.

Its quite easy to see how the police could tow a car for it not being on the database and that person being unable to proove at the roadside he has insurance due to not carrying the documents with him (or at all if its a company car)

GolfNovember90 · 18 Oct 2010 at 21:03

coppers have to rely on a computer database,
a certificate of insurance is not proof of insurance.
people can buy a policy, get their certificate then cancel the policy.
they still have what appears to be a valid certificate. without a computer database how do you verify the bit of paper?

Fr0dders · 18 Oct 2010 at 21:09

this old fashioned thing called a phone, where you ring the insurance company at the roadside and ask if the policy is still active

GolfNovember90 · 18 Oct 2010 at 21:12

which will be on a computer database with the insurer

usual process is check on the police national database
then check with the motor insurance bureau.
if the car isnt on the motor insurance database then the MIB will phone up the company the driver claims to be insured with, and all is revealed

phi1 · 18 Oct 2010 at 21:14

MrLOL said:
this old fashioned thing called a phone, where you ring the insurance company at the roadside and ask if the policy is still active

Thats what they did for me, he was gone a good 10 mins or so came back with a form to sign saying no further action and to explain to my employer.

Burnsy2023 · 18 Oct 2010 at 21:20

liambryan said:
which will be on a computer database with the insurer

usual process is check on the police national database
then check with the motor insurance bureau.
if the car isnt on the motor insurance database then the MIB will phone up the company the driver claims to be insured with, and all is revealed

Insurance details are only held on MID not PNC directly.

silversurfer · 18 Oct 2010 at 21:20

I think the main problem would occur if those organisations are not 24/7

The case I read he said the police were not willing to phone to double check

Burnsy2023 said:
No, he means MIB.

Ok mid = mib

Burnsy2023 · 18 Oct 2010 at 21:22

silversurfer said:
Ok mid = mib

No, MIB is the organisation, MID is the database.

GolfNovember90 · 18 Oct 2010 at 21:27

Burnsy2023 said:
Insurance details are only held on MID not PNC directly.

yeah i know its only linked from MID to PNC, if its held on PNC though its quicker to check and people can be let on their way quicker

as somone else said the problem is when its out of office hours

Burnsy2023 · 18 Oct 2010 at 21:54

liambryan said:
yeah i know its only linked from MID to PNC, if its held on PNC though its quicker to check and people can be let on their way quicker

as somone else said the problem is when its out of office hours

My point is that is never on PNC.

GolfNovember90 · 18 Oct 2010 at 22:01

Burnsy2023 said:
My point is that is never on PNC.

what do you mean? that the data isnt on PNC itself or that the data isnt available through PNC?

forgive me its been a long day

SB118 · 19 Oct 2010 at 00:24

Biohazard said:
^

I don't really believe that.

I think it was Watchdog than ran a piece on it recently.