The new Dwightmobile arried before my old Car Insurance expired and with only a month left NFU required me to take out a 13 month Certificate instead of simple amendie Reg No.
On the bits and pieces that arrived with the new Insurance was a note to the effect that because of MIB database no longer will Cover Notes of Insurance be issued and if premium is not paid before exiry date of Certificate then use beyond will not be covered unlike the old Cover Note scheme.
Whilst I can see the reasoning because of ANPR is this now universal with all Insurance Companies?. If so haven't seen it mentioned here and elsewhere.
Be warned,
dvd
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So what's the new Dwightmobile ?
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And if you dont have a cover note mentioning the vehicle reg no then how can you tax the car?
I would contact them and ask for cover note or advice on how to do it?
I not had problems with my insurers; but they know I will move my insurance if they dont behave.
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I had this note a year ago (Frizzell). A nuisance when renewing tax if it happens to fall at the same time.
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My bike insurance was renewed in April and the renewal included a cover note. The MIB is a computer database, there's no reason why issuing a cover note can't update the online records.
I get fed up of "it's the computer" being used as an excuse to not do something.
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PU
I've been a Landieman for the past 15 years or so, my last bought last year an 04 Defender. Big mistake. Seems they shrunk the cockpit or I just got bigger..... and I developed a touch of arthritis in the right hip making the vehicle the most uncomfortable vehicle I have ever driven.... and that handbrake. Did the rounds and the only vehicle within my meagre bank balance in which I could stretch the pins and go beyond the pain barrier in the hip was......
a Nissan X-Trail 2.2.dci sport. Wow. What a vehicle. All those wasted years with LR..... Has HJ's approval to boot.
Re the 14 day cover note extension at the expiry of a certificate, this is a misnomer as far as MIB/APNR records go as it is not certain the policy is to be renewed and the data only deals in fact. Mid certificate, it appears, a Cover Note can be issued to cover the use of a change of vehicle.
dvd
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Last cover note I got was just in April (it was a new policy with More Than) and they sent me a cover note with all the documentation. No mention of them being phased out or anything...
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Quote from the top...
On the bits and pieces that arrived with the new Insurance was a note to the effect that because of MIB database no longer will Cover Notes of Insurance be issued and if premium is not paid before exiry date of Certificate then use beyond will not be covered unlike the old Cover Note scheme.
In what way would that be different to having a cover note? Surely every covernote has an expiry date anyway?
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Cover Note is temporary evidence of cover, it's the Certificate of Insurance that evidences you have 12 months cover. All they're saying, I believe, is that they are not providing cover until you have paid the premium. Seems fair enough! In the past they would allow you 14 days grace.
Chris M
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>>In the past they would allow you 14 days grace.
A common misconception which I suspect lead to a lot of lost money in the event of a claim. Fortunately for most people's licences, the police largely misunderstood as well.
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From memory the 14 days was Act cover only.
Chris M
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It didn't exist at all.
That "covernote" was only valid if the policy was renewed prior to its expiry. It was meant to give them the time to ship you a certificate if you renewed.
If you didn't renew then it was not valid.
If you didn't renew prior to your renewal date it was not valid.
If you renewed after your renewal date, even at a brokers, the certificate was supposed to be dated from when you renewwed, not from when the renewal date.
However, nobody ever obeyed or was even aware, and it didn't come up often enough to ever reach general attention.
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I've just got my MoreThan renewal. Leaflet inside says:
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"In the past it has been common practice within the insurance industry to allow a temporary certificate of insurance, often seen as a 'grace period', of 14 days cover after the renewal date of a motor insurance policy. This practice was introduced to help avoid any gaps arising in a customer's cover after they had expressed an intention to renew. However, it has often been wrongly interpreted as an additional period of time in which a policyholder may conclude the renewal of their motor insurance. For the MID to fulfil its role, the data it holds must be accurate and up to date. This means that the temporary certificate of insurance is now being withdrawn from the renewal process. In order to comply with the requirements of the MID, we must advise that your insurance will lapse automatically om the date of expiry quoted on your current certificate of insurance.
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