diving with no insurance

[caila25]

can you help. my boyfriend has just passed his test 1 week ago and has been driving my car with me as passenger. we got pulled of police for no insurance as it had been cancelled without us knowing. i am the policyholder and who pays for the insurance. the police have siezed the car and said i was getting 6 points but then changed there mind and didnt but what wil happen to my boyfriend as as far as we were aware we were insured and i dont want him to lose his licence because of my mistake

[caila25]

i wasnt aware i had defaulted until we got pulled and i rang the insurance they said i had defaulted last payment so they cancelled policy

[caila25]

and i did get a default letter today bit late thou eh

[boxtops]

Caila, reread Eddie's post above - the insurance companies have to write to you if you default. Ask them to send you a copy of the letter they sent to you. You haven't moved house as well, have you? This is one reason why I always put everything in writing, not just rely on phone calls, there is no record (unless they are one of the companies which records all their calls, so they would be able to trace when you phoned them to advise your change of bank details).

[boxtops]

Mine crossed with yours - what was the date on their letter, then?

[caila25]

22nd of may

[JackDanielsU]

22 of may??

something fishy there

[boxtops]

That' date's not been yet, there is something strange here. Are you using one of the main insurance companies or a small set-up?

[caila25]

sorry not the 22nd of may i meant april, i was using quinn direct, when he loses his licence how soon can he put in for a new one

[boxtops]

Caila, I do not dispute what Eddie and others are saying re the outcomes - but how can a letter take three weeks to arrive, when it is something as important as this? I would have expected the insurance company to send a second letter saying something like "since you haven't replied to our earlier letter, your policy is now cancelled". As Eddie says the bank stuff is only part of the story.

[caila25]

im not aking for a Fluffin' grilling about why my policy is cancelled all i was asking is what will happen to his licence if i wanted to braodcast it i would put it in the Fluffin' paper.

[Prudie]

Did you open the letter when you got it calla or has it been lying around for a while? I'm guilty of doing this quite often.

[caila25]

i dont know maybe i did get one earlier and just threw it away but i got one today dated the 22nd april. im really ruffled around the boa i came on here to ask what will happen to my bf licence not tell half the wold my life story you know what i mean

[chrissa1]

Your insurance company would have sent you more than one letter if you had defaulted, warning you to rectify the situation.

[caila25]

well like ive just said i may have got letters and just threw them out. when i spoke to insurance compnay yesterday they didnt say they had wrote to me many times they just said we sent you a letter

[caila25]

Fluffin' sick of my life

[factor-fiction]

I think eddie's postings are spot on.
I think the reason the thread didn't go the way you wanted is that you started off in your question saying things like "it had been cancelled without us knowing" and "as far as we were aware we were insured".
It may have been better to have omitted all those points and kept to the point you wanted addresssing which was what will happen to his licence.