Got myself a producer! Small insurance problem..

-westy-

-westy-

-westy-

Soldato
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evening all,

On the way to my girlfriend's on sunday evening we were pulled over in her car, which I was driving. My insurance covers me to drive her car Third Party only.

This was at 23.53.

I checked my insurance documents, and despite specifying to my insurance company that i wanted my insurance to commence at mid-afternoon on sunday, it actually only started a 00.01 on monday morning :eek:

The only reason for me driving was because my girlfriend was tired - and i believed I had insurance to drive the car. Am I screwed?

:(
 
Technically, yes, sorry.

However, with it being a matter of minutes, its unlikely they'd take it any further I'd imagine, they might not even notice when you take in the documents. If they do, just act surprised :D
 
Technically, yes. Call your insurance company and ask for a cover note specifying cover from the day before. If you had asked for your start date to be the day before then there shouldn't be a problem. However, if you made a mistake and asked for the insurance to start the day after you thought it did, then technically you were uninsured.

If the police give you grief, tell them that the insurance company told you over the phone that you were insured immediately. They may or may not believe you. If you get a good cop they'll probably ignore it and let you be on your way :)
 
This could be one of those times where "This call may be recorded..." may be of benefit to you. If the call was recorded and you did indeed say you wanted cover to start from noon, you should be fine.
 
PeterNem said:
This could be one of those times where "This call may be recorded..." may be of benefit to you. If the call was recorded and you did indeed say you wanted cover to start from noon, you should be fine.
Click to expand...

There was no mention on the phone of calls being recorded, it cut straight to the menu system :/
 
You should be allright I think.

Ive had the CPS lawyer give me a nod ok when the insurance company were being total muppets and gave me a cover note for totally the wrong car, she could have been a pain about it but no doubt realised how crap companies can be at times
 
PeterNem said:
This could be one of those times where "This call may be recorded..." may be of benefit to you. If the call was recorded and you did indeed say you wanted cover to start from noon, you should be fine.
Click to expand...

unfortunately the insurance company will listen to the tape, find that they are in the wrong and then 'lose' the recording.

Lying cheating bar stewards...

HT
 
happytechie said:
unfortunately the insurance company will listen to the tape, find that they are in the wrong and then 'lose' the recording.

Lying cheating bar stewards...

HT
Click to expand...

This is VERY true.

What you need to do is record the convo your end if you want to use it in court.
 
Very very very few call centres record anything because it would take up ridiculous amounts of space. Some "monitor" calls but again this is extremely rare. Think of the amount of calls your average centre takes - we are relatively quiet but last year we answered 410,000 calls..... record them? I don't think so.

As an aside, I have been in the exact same situation - I insured my car, took it out, got pulled in within minutes of leaving my house (good start!) by an incredibly arsey police officer who gave me a producer.

Went to produce in the week and realised my cover started the next day not the day I was pulled. The copper on the desk spotted it and pointed it out to me - I did a very good "aghast" look and said that I'd swapped it over that day from my old car and didn't realise it was only from midnight. He asked if I'd been in an accident or if it was just a spot check, I replied the latter, he smiled, signed it off and sent me on my way. Much relief!
 
I think you should be ok, a good friend is a copper and he's always moaning about the ammount of paperwork they have, especailly for producers and the like. He was saying it takes something like 2 man hours per producer (including paperwork for officer that issued it, filling form at station, entering it onto database, filing it away etc) :eek:

Just be polite, if they spot it, explain the situation that your insurance company told you it was from mid-day. With any luck, it'll be too much work for them to phone up your insurance co, try and figure out whats going on etc, and just sign it off.
 
happytechie said:
unfortunately the insurance company will listen to the tape, find that they are in the wrong and then 'lose' the recording.

Lying cheating bar stewards...
Click to expand...

I doubt it. They have absolutely no reason to do so. It won't cost them any money, and will get them a happy customer.
 
Lopéz said:
Very very very few call centres record anything because it would take up ridiculous amounts of space. Some "monitor" calls but again this is extremely rare. Think of the amount of calls your average centre takes - we are relatively quiet but last year we answered 410,000 calls..... record them? I don't think so.

....
Click to expand...

I know of one major one that does, ( I used to support some of their software), and often used to get a call to see if we could say an exact time that the call took place as they needed to pull the converation tapes out. How long they stayed in the Library I never found made the effort to find out.

Anyway, whether it was recorded or not, insist that you asked for the times you did, it would be up to them to prove otherwise. There are loads of discrepancies like these few hours the software I maintain, it's all due to different underwriters having different rules on when policies start/finish. Most of the time these small gaps in cover will be covered goodwill, especially if you only got a producer - If you take out a bus queue whilst drunk, i bet yo would be looking at no cover though.
 
Lopez makes a very valid point, I used to work as support for a trading bank where it is law that all calls are recorded, the amount of data to store is simply phenominal. HT also makes the valid point that a lot of tapes from calls where it is not law to have them do go missing when it comes to crunch time.
 
As far as call recording is concerned, we record all of our calls at the DWP, thats roughl 15,000 to 20,000 per week in this office, and they have the ability to pick and choose easily which they want to record, i'd imagime with the sort of disputes an insurance company could get, they will record them?
 
I'm with Priviledge and they told me that they couldn't send me an updated cert showing my DOC cover when I turned 25. They then told me that all calls are recorded and if the Police were giving me grief then the recorded call could be played. (during the call they told me that as soon as I turn 25 my DOC becomes 'active' despite my documentation not updating)

All sounds a bit wishy washy to me but maybe some truth in it?
 
All of our calls are recorded and held on file for 6 months. We take around 5,000 per day in our office alone. Most other offices (large companies) I know of record calls for quality monitoring purposes. If it was a local broker than I think you will be stuffed but if it was NU/Tesco/AXA whoever I think they will have it on file.

This is very unfortunate. Afaik it is still the choice of the officer that pulled you if they wish to prosecute - I hope you were nice :)
 
It doesn't look too hopeful mate :(

I'd get on the phone to your insurance company and see what they have to say. Failing that they may not notice at the police station.

Or they may just let you go, you obviously have insurance so you aren't like the scum they deal with most of the time.
 
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