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#538602 - 26th Jun 2011 11:48am dnt know if im insured
jemarc Offline
Addict

Registered: 27th Feb 2010
Posts: 226
Loc: tranmere
my mobility car has gone in the garage as there is something wrong with it, they have given me a loan car for a few days, but just checked the reg on askmid and its saying its not insured. am i covered on my mobility insurance or not. the car they have given me is one a customer brought in to part ex.
thanks for any help

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#538603 - 26th Jun 2011 11:52am Re: dnt know if im insured [Re: jemarc]
mrhanky Offline
Forum Addict

Registered: 1st Dec 2010
Posts: 1236
Loc: my house
you should be covered on the garage's traders policy.
if you are unsure just check with the garage.
it's worth asking them for their insurance details though as if it's not on the database you may well end up getting stopped.

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#538618 - 26th Jun 2011 12:33pm Re: dnt know if im insured [Re: jemarc]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Indeed, just check with the garage; you may be insured, as it can take upto 7 days (which is pretty stupidly imho, considered "reasonable time" by the insurance industry) to show on the insurance database.

It's not worth risking it until you know for sure, because if you are stopped, and it turns out that valid insurance isnt held/showing on the database, then the car will be seized and you will be left at the roadside (I know through bitter experience thanks to a cock-up by Quinn Direct and a jobsworth copper!!), which I imagine would be a terrible situation to be in as its a motability car.

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#538647 - 26th Jun 2011 1:51pm Re: dnt know if im insured [Re: MattLFC]
jemarc Offline
Addict

Registered: 27th Feb 2010
Posts: 226
Loc: tranmere
ok thanks everyone will look into it tomorrow x

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#538901 - 26th Jun 2011 9:28pm Re: dnt know if im insured [Re: jemarc]
Nobody
Unregistered


Askmid isn't always right, even more so if it's a fleet car.

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#539517 - 28th Jun 2011 11:58am Re: dnt know if im insured [Re: jemarc]
Fatfairy Offline
Enthusiast

Registered: 4th Mar 2010
Posts: 103
Loc: wirral
just ring mobility, and they will tell you there and then, the loan car thing changed last year, 0845 456 4566 (8.30am till 5.30pm Monday to Friday) or to use a normal number courtesy of say no to 0870, its 0151 240 2894 which is customer services for RSA motability the people who will know for 100% as they are your insurers


Edited by Fatfairy (28th Jun 2011 12:00pm)

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#539680 - 28th Jun 2011 4:10pm Re: dnt know if im insured [Re: Fatfairy]
jemarc Offline
Addict

Registered: 27th Feb 2010
Posts: 226
Loc: tranmere
thanks all, i was insured and i got my own car back today x

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#539691 - 28th Jun 2011 4:28pm Re: dnt know if im insured [Re: jemarc]
Fatfairy Offline
Enthusiast

Registered: 4th Mar 2010
Posts: 103
Loc: wirral
Good its like losing your legs with no car isnt it,

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#539775 - 28th Jun 2011 8:07pm Re: dnt know if im insured [Re: jemarc]
paxvobiscum Offline
Forum Addict

Registered: 31st May 2011
Posts: 1115
Loc: Upton
Originally Posted By: jemarc
my mobility car has gone in the garage as there is something wrong with it, they have given me a loan car for a few days, but just checked the reg on askmid and its saying its not insured. am i covered on my mobility insurance or not. the car they have given me is one a customer brought in to part ex.
thanks for any help


Maybe you should phone the Motorbility number to get phone advice from them. Ask them to confirm their advice in an email or text?

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#540436 - 30th Jun 2011 2:20pm Re: dnt know if im insured [Re: jemarc]
Newey Offline
Beginner

Registered: 15th Jun 2011
Posts: 8
Loc: Noctorum
You would never get convicted in these circumstances anyhow as it was reasonable to assume you had cover!

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#540562 - 30th Jun 2011 7:34pm Re: dnt know if im insured [Re: Newey]
TheDr Offline
Forum Master

Registered: 23rd Feb 2010
Posts: 2631
Loc: Wirral
Originally Posted By: Newey
You would never get convicted in these circumstances anyhow as it was reasonable to assume you had cover!


Unfortunately you would (likely) be convicted.

Insurance is a strict liability offence, you either have it or you don't, and if you don't, you're guilty, what you have is excellent mitigation to reduce or nullify any sentence.

The other problem would be that it would show on your licence (even if zero points were given) so you would have to explain to your insurance company and forget trying to hire cars until they come off frown

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