Anyone with a similar experience or any insurance experts please? Here is the “case”. Wife buys a new car 57 reg and pays difference to swap insurance policy from current car which is traded in, retaining her personal plate. After 2 weeks she informs the DVLA that she is fitting the personal plate – but alas forgets to tell the insurance company. Six weeks later she is stopped via APNR and informed that her new car isn’t insured and that the personal plate comes up as her previous car. She comes home after an appropriate lecture and informs the insurance company of the change of registration. However the insurance company are “vague” to say the least as to whether or not the car was actually insured from the time she fitted the personal plates and told the DVLA. They suggest that the car was insured under the “57” reg but are unwilling to confirm that in the event of an accident etc the car under her private plate would have been insured. Anyone any thoughts?
I suppose that technically it wasn't insured - the policy wording says that you must inform them of any changes to the car and the fact that APNR stopped her proves the point - whether they would have been sympathetic if there had been an accident is a different matter - its clearly that car that is insured - the chassis/engine numbers would have been the same, for instance....
I suspect that you would have had to throw yourselves at the mercy of the Insurance Co... main thing is it didn't happen!
One other thought - if they had said no then they would have to admit that she was insured third party (assuming it was fully comp/any vehicle insurance), so if she had hit anyone they would have been covered even if the damage to her car wasn't!!
i dealt with exactly the same scenario at work except it was a result of a stop not anpr. once i made a few enqiries and established the woman would have been insured there wasnt an issue.
see no point in shafting normally law abiding people over such trivial things.
