Posted 28th Feb 2010
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!