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    My car was seized today!! Help

    Ok heres the story. My girlfriend and I were driving down the road today and we passed a police traffic car, half a mile down the road we were pulled over, apparently there was a problem with the insurance on the car and I was asked to sit in the back of the police car. I was asked the obvious questions as to why their system would show the car had no insurance, I told him I had no idea and that the insurance company were continuing to take my monthly direct debit. So he called the insurance company, he was on hold for ages so then called back and deliberately got put through to the wrong department to get through quicker, they then searched on the vehicle registration number and they confirmed that the car was not insured, I told the officer that this was impossible as we have received no notification to say that the policy was going to terminated for any reason. So after being read my rights and interviewed in the back of the car he told me that he was seizing my car!! I got home and straight onto the insurance company who then asked for my name, address and dob they then confirmed to me that there was a policy but the last two letters on the registration were around the wrong way on their systems, but the car make and model were exactly the same. When I took out the policy it was online and I typed in the registration number and I brought up the correct make and model of the car I have. Now I need to go and collect the car and pay the £150 release fee in the morning. Iam not sure what the registration on the certificate of motor insurance shows as it is in the glove box of the car. I need to know who is responsible for the £150, is it the police force as the p.c did not go through to the correct department when he rang the insurance company, is it the insurance companies who had the registration around the wrong way or is it mine for not checking all details were correct when I got the policy pack?? It seems unfair that they seized my car for having no insurance when all along it did!

    106 Comments

    If you had a certificate of motor insurance in the glove box of your car, why on earth didn't you show that the police at the time?

    tl;dr

    that was supposed to say in b4 tl;dr

    Unfortunately. Its you.

    If you have proof on your paper copy of Insurance certificate that it shows the correct registration, then the Insurance Company should pay the cost.

    However, if the insurance company sent out the insurance certificate which showed the wrong registration, then it is you who is liable to pay the release fee as when you first got the insurance certificate, you should of checked it matched your own car.

    I'd say its your fault i'm afraid. You most probably entered the details incorrectly online and your normally told to check the details when you receive the policy.

    harsh as it may seem,it is your duty to check the details on your insurance policy so you are liable

    yours for not checking the document's details as it tells you to do so, sorry

    Goonieman;7980338

    I'd say its your fault i'm afraid. You most probably entered the details … I'd say its your fault i'm afraid. You most probably entered the details incorrectly online and your normally told to check the details when you receive the policy.



    But if the OP had entered the reg details incorrectly then surely it wouldn't have brought up the right make and model of car?

    theaa.com/mot…tml

    If you bring along the policy documents and confirmation from the insurance company that you are in fact insured they should release your car. Basically don't pay it, wait until you can provide this.

    Banned

    One thing is sure.... you shouldn't be liable.

    They can only seize your car if you weren't insured. You were. I'd be expecting a grovelling apology, but I doubt these people are capable.

    Give em hell.

    Original Poster

    I didnt realise they were in the glovebox until ive turned the house upside down looking for it.
    i just find it strange that when i typed in the registration number on the page ,if it was wrong, that it came up with exactly the same car details, the same make and model.

    yours for not giving the policy number off the certificate in the glove box...

    Banned

    That sucks :-(, did you check the policy?

    One of my friends had the same thing happen, they took him to court over it as well as seizing his car. But it was thrown straight out of court. Not sure if he got the release fee back though!

    I just had my renewal through, and as usual I went through it with a fine tooth comb. Good job I did because they spelt the surname of a named driver wrong, even though he has a policy with them and has the same surname as me. No doubt if I'd had a collision they'd have tried anything to get out of paying up, and this would have been just perfect for them!

    jarralad86;7980373

    I didnt realise they were in the glovebox until ive turned the house … I didnt realise they were in the glovebox until ive turned the house upside down looking for it.i just find it strange that when i typed in the registration number on the page ,if it was wrong, that it came up with exactly the same car details, the same make and model.



    What does the insurance company say? Either you were insured (in which case you'll get your car back without paying the fine) or I'd say you are due a refund on the payments you have made on your insurance so far.

    Original Poster

    No i did`nt unfortunatley, when i typed in the reg the make and model came up so i just thought i`d put it in right and never gave it a second thought

    A while ago I bought a Renault Clio brand new, we drove round in it for almost 3 years before we found out they put the wrong registration plates on the car. The last digit were from another blue Renault Clio, as you can imagine we were peed off especially as we took our insurance out on the plate rather than the log book.

    jarralad86;7980373

    I didnt realise they were in the glovebox until ive turned the house … I didnt realise they were in the glovebox until ive turned the house upside down looking for it.i just find it strange that when i typed in the registration number on the page ,if it was wrong, that it came up with exactly the same car details, the same make and model.



    The documents might not be there then...

    Regardless, this is where you stand in my opinion:

    3.1 Section 152 (4) of the Act states:- 3.1.1 "where a constable (in … 3.1 Section 152 (4) of the Act states:- 3.1.1 "where a constable (in uniform) has required a person to produce their licence and counterpart or evidence of insurance, the person has not done so and the constable has reasonable grounds for believing that a motor vehicle is being (or has been) driven by a person not holding a valid driving licence or not appropriately insured against third party risks which contravenes Section 87 or 143 of the Road Traffic Act 1988 (no driving licence and no insurance), the vehicle, if moving, may be stopped and may be seized and removed by the constable. 3.2 These powers can be used where vehicles are being used: 3.2.1 On a public road where the vehicle is being driven without the driver holding a valid driving licence in contravention of Section 87 of the Road Traffic Act 1988. 3.2.2 On a public road where the vehicle is being driven without a valid certificate of insurance being in force in contravention of Section 143 of the Road Traffic Act 1988. 3.3 Section 152 (3) of the Act gives the following powers to a constable in uniform: (a) power to seize immediately and remove the motor vehicle;




    and

    4.3.2 In the event of a dispute, it would be for the courts to decide … 4.3.2 In the event of a dispute, it would be for the courts to decide what constituted 'reasonable steps' in any particular case.



    The latter is your get out clause, but remember technically you may not have been insured.

    guv;7980368

    One thing is sure.... you shouldn't be liable.They can only seize your … One thing is sure.... you shouldn't be liable.They can only seize your car if you weren't insured. You were. I'd be expecting a grovelling apology, but I doubt these people are capable.Give em hell.



    but what would the groveling apology be for? op has an insurance policy for a car with the WRONG reg number so it shows up as uninsured on a police check-what have the police done wrong exactly? and is he actually insured at all? If the reg number on the document is wrong?

    Evil_monkey;7980362

    But if the OP had entered the reg details incorrectly then surely it … But if the OP had entered the reg details incorrectly then surely it wouldn't have brought up the right make and model of car?



    Not neccessarily. If the reg numbers were so close together it's a fair chance that they could be same make and model registered around the same time.

    Go and explain everything, exactly how it is, what the insurance company said and also tell them you were definitely insured, also take a bank statement showing your direct debit payment for your insurance.
    One things for sure do not pay the money until you have fought this, if you do it will always be harder to get the money back.
    It is quite clear it is a complete mix up and that there was no intention by yourself not to pay insurance - I would think they would have to be very hard to make you pay.
    Make a note of all conversations from all parties and put everything in writing - good luck.

    barky;7980472

    but what would the groveling apology be for? op has an insurance policy … but what would the groveling apology be for? op has an insurance policy for a car with the WRONG reg number so it shows up as uninsured on a police check-what have the police done wrong exactly? and is he actually insured at all? If the reg number on the document is wrong?



    No he isn't insured. Would probably get away with it in court if he has all neccessary paperwork to back up his story, but technically his car isn't insured.

    Original Poster

    The part of the reg that was mixed up was the last two digits, they were simply the wrong way around. On the car is shows db but on the insurance details it shows, bd. It was a genuine mistake but i hope that they see that and waive the fee, i'am not holding my breath but either way i need to get the car back tomorrow as the fee goes up by £20.00 every day :-(

    Banned

    jarralad86;7980439

    No i did`nt unfortunatley, when i typed in the reg the make and model … No i did`nt unfortunatley, when i typed in the reg the make and model came up so i just thought i`d put it in right and never gave it a second thought



    So the reg number that you have insured, what car make and model does it say it is?

    barky;7980472

    but what would the groveling apology be for? op has an insurance policy … but what would the groveling apology be for? op has an insurance policy for a car with the WRONG reg number so it shows up as uninsured on a police check-what have the police done wrong exactly? and is he actually insured at all? If the reg number on the document is wrong?



    You are assuming he entered the wrong details and just happened to come back with the correct make model and colour. Possible, but unlikely.

    if the insurance company has messed up, then I dont think it unfair they apologise, do you?

    Either way, if he's not insured, then he should be able to claim a refund.

    jarralad86;7980669

    The part of the reg that was mixed up was the last two digits, they were … The part of the reg that was mixed up was the last two digits, they were simply the wrong way around. On the car is shows db but on the insurance details it shows, bd. It was a genuine mistake but i hope that they see that and waive the fee, i'am not holding my breath but either way i need to get the car back tomorrow as the fee goes up by £20.00 every day :-(



    Have you had a look at my post?

    This sucks to be honest but technically you were not insured and i doubt they will waive the fee,This would be a real easy mistake to make and there could be many people out there with the same problem, Just hope you get your car back and let us know how it goes,

    Original Poster

    guv;7980724

    So the reg number that you have insured, what car make and model does it … So the reg number that you have insured, what car make and model does it say it is?You are assuming he entered the wrong details and just happened to come back with the correct make model and colour. Possible, but unlikely.if the insurance company has messed up, then I dont think it unfair they apologise, do you?Either way, if he's not insured, then he should be able to claim a refund.



    Exactly what the car is, a nissan micra tropic. i wouldnt care i only paid £400 for the car before xmas so its not really worth much more than the fee is but it's reliable car and we need it for work

    whatsThePoint;7980794

    Did they say they were reporting you for no insuranceThat will be 6-8 … Did they say they were reporting you for no insuranceThat will be 6-8 points and a fine as well then



    Yeah, look on the bright side, why don't you.

    I happen to think they'll get away with it if they can prove their story.

    Original Poster

    whatsThePoint;7980794

    Did they say they were reporting you for no insuranceThat will be 6-8 … Did they say they were reporting you for no insuranceThat will be 6-8 points and a fine as well then



    They said it would go to summons in a few days unless i could prove that it was a mistake, nothing was mentioned about waiving the fee though

    Original Poster

    deek72;7980825

    Yeah, look on the bright side, why don't you. I happen to think they'll … Yeah, look on the bright side, why don't you. I happen to think they'll get away with it if they can prove their story.



    I've got all the proof they need so lets hope your right:thumbsup:

    ;-)If you log on to DVLA you can check out both number plates to see if they exist which gives colour and make of car which will at least confirm or explain what might of happened, there is also a insurance data base which allows you to see if a car is insured but gives not much else

    Are they going to charge per day for holding the car? If its your error but the insurance company say you were still insured can they give you a corrected insurance document from original start date to take in? You must be able to get the original documents from the glove box as until you have a valid document to show they still will not release the car

    If you have to pay the fine I assume you could at least see if the insurance will pay back the direct debits they have taken so far for the wrong car
    You at least have the cold comfort that you were not involved in an accident, ruined the car with no means of recovering any costs and liable to be sued out of your socks by some lawyer

    Original Poster

    pghstochaj;7980751

    Have you had a look at my post?



    Yeah i did thanks, it was really informative.

    I can proof to them that i was insured at the time so lets just hpoe that will be enough

    Original Poster

    dcx_badass;7980883

    Check each registration and see if it brings up the same make and model … Check each registration and see if it brings up the same make and model on here:https://congestioncharging.tfl.gov.uk/b/pb/provideVRM.faces?referrer=cc



    You genius!! i have just searched both registrations and the one the insurance compay has me down as does not exist! think we can safely say the isurnace compay will have to foot the bill. thank you so much!

    jarralad86;7980897

    Yeah i did thanks, it was really informative.I can proof to them that i … Yeah i did thanks, it was really informative.I can proof to them that i was insured at the time so lets just hpoe that will be enough



    Don't worry, if you were insured and it goes to court the magistrates are not going to be impressed with the police wasting time and money over a typo.

    jarralad86;7980897

    Yeah i did thanks, it was really informative.I can proof to them that i … Yeah i did thanks, it was really informative.I can proof to them that i was insured at the time so lets just hpoe that will be enough



    Looking at this post I can see how the reg got mixed up

    :thumbsup:

    jarralad86;7980897

    Yeah i did thanks, it was really informative.I can proof to them that i … Yeah i did thanks, it was really informative.I can proof to them that i was insured at the time so lets just hpoe that will be enough



    I don't know if you will get your money back, the police appear to have used appropriate checks and it failed to show you were insured:

    1) PNC said uninsured;
    2) you have no documents;
    3) your insurer said you weren't insured with them.

    That is what the RTA appears to require.

    Whether you were actually insured is not one for many people on this forum, it's a specific legal question. I would suggest that just because the reg number was wrong does not mean you were uninsured.

    Original Poster

    i`ve just gone onto the insurance companies web site again and tried to get a quote, using both the right and wrong reg numbers and they both came back with the same make and model of car, but when i used the link provided by dcx_badass the correct reg shows the right details and the incorrect comes up with "no vehicle details were found" strange.

    Original Poster

    whatsThePoint;7981003

    If OP entered the wrong number and then failed to spot mistake on his … If OP entered the wrong number and then failed to spot mistake on his policy he's not insuredHe was insured to drive the car with the number he gave to the insurance company, not the one he was driving



    There is no car with the car registration of the one i provided though, how does that work?

    Banned

    Simple question, did the insurance company say that you were legally insured to drive the car with the correct reg no or not?
    If you were then you may get away without paying the release fee. If not then you will have to pay it.

    Its one thing them saying you do have a policy for a different reg no, it's another saying that you are insured for the car you were driving.

    Either way can't see how the police are to blame. Either you are for putting the wrong reg no into the online form, or you and the insurance co are - them for doing it wrong if you entered the correct reg into the online form, but then you are still partly to blame for not checking the policy when it arrived.

    Original Poster

    whatsThePoint;7981159

    did you get a cover note with your policy saying check these details are … did you get a cover note with your policy saying check these details are correctby accepting the policy without saying it needed amending you agreed to the wrong plate having cover



    I cannot remember to be honest, i had alot on my plate at the time, not an excuse but maybe i did miss the mistake.

    Either way i think i'll be entitled to either a refund for the time i was not covered, if it turns out i was'nt covered, or for them to reimburse me the £150.00 if i was covered.

    I'll go to the station and explain the situation first thing tomorrow morning and see what they have to say first.

    We usually phone the MIB (Motor insurance Bureau) if your car shows no insurance on PNC. They then contact your insurance company. Last one I did, they searched the reg and the name and address. If the officer has given the insurance company all of your details and your insurance company say you are not insured, I cant see how its the officers fault.
    Having said that a few weeks ago, I came accross a similar situation. The insurance company I spoke to said they would accept it as a typo and amend the policy accordingly, seemed the sensible way to sort it out.
    You need to speak to your insurnace company and complain, however, as per the previous posts, you will have to accept part of the blame for not checking the reg
    Let me know if I can help any
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