Hello everybody, I wasn't sure if this belonged here or in the other motoring forum.

Hopefully someone will be able to shed some light on a few questions I have.

Firstly I know ignorance is not an excuse so before you berate me I am doing a pretty good job myself. My lesson from this is always check your paperwork and if there is anything that doesn't seem right question it with your insurer.

Tonight I was stopped for not having insurance on my Micra. I was certain I did as I took out what I thought was a Multi-car policy with Direct Line along with a Touran in 2014 and renewed in June 2015. On my Touran paperwork it clearly says 'Multi-car discout applied' hence why I thought the Micra was also covered. Memory is a funny thing but I am sure that last year when the policy was started I added the Micra. I am in the process of hunting down old policy docs to confirm this.

I taxed the Micra in March of this year. Which according to Direct Line the Micra was uninsured since June of 2014.

So, three questions to start:

1 - Can you tax an uninsured vehicle? I cannot find anything that answers this question past when the law changed in 2013/2014.

2 - Anyone have experience of why Direct Line include multi-car discount on a single car policy? - Had the Multicar discount said 'Not included' I would have immediately sought insurance for the Micra!!!

3 - How on earth have I gotten away with it for so bloody long?!?!

The real pain in the bum, Direct Line quoted £424 at the time of renewal, Admiral £417 that clearly stated both cars. I got a few more perks with Direct Line so decided to stick. Egg truely on my face now.

Thanks everyone in advance. Any clarification needed please let me know.

Btw. No previous offences or points. 9 years NCD.

Possible a SAR to insurance company?

Surley you would expect to receive a certificate of insurance or some paperwork from them

Looks like 6 points coming and a fine!

Multi car insurance works out to expensive

I have 3 separate insurance policy that are cheaper than 2 on multi car

Possible a SAR to insurance company?g

Surley you would expect to receive a certificate of insurance or some paperwork from them

 

Looks like 6 points coming and a fine!

Multi car insurance works out to expensive

I have 3 separate insurance policy that are cheaper than 2 on multi car

They don't offer 1 policy covering several cars. It is 1 policy per car and they apply a discount to the policies for insuring more than 1 car.

You need to know what happened to the Micra policy. If you taxed in March, insurance would have been registered at that point on the Motor Insurance Database. Was the policy on the Micra due fir renewal June 2015 and you did not renew.

That is what I thought.

Renewal would have been due at the same time, but I cannot find anything, not an email or a letter relating to the Micra for renewal or in 2014/2015!!!! My mind just cannot accept that I had no insurance for 1 year and 3months.

Going to chase Directline in the morning and make sure I record the conversation.