Hi all

I've just been pulled up by the police who told me, to my surprise I had no insurance on my car.

Our insurance was up for renewal in January so we let it automatically renew.

£200 fine and 6pts on my license

I came home to see what had happened.

I have been driving this car for 3 years now.

The Insurance company (first Central) told us on chat (can't get hold of them by phone) the details were correct that only my husband was insured.

We looked for emails regarding policy documents etc.

They said that they got details from confused.com and that's how they based their/our policy.

Our previous insurance company always insured the name driver and spouse.

I am not sure if my husband has ticked the box which states spouse or not and there is no way to check.

Could I have been driving around with my kids in the back of the car without any insurance for over 2 years???

In December last year I had to go on a speed awareness course for doing 34MPH in a 30 zone.

My question is wouldn't this issue have flagged up then?

I did the speed aware course in December.

Our insurance for the car was automatically renewed in January.

Please help.

Ask for a copy of your insurance document. It will state everything in there.,

Sadly, this is the risk you take with the cheap online only insurers.

With 99% of insurance companies these days, you can look at your policy and even download/print your insurance documents online. https://my.1stcentralinsurance.com/Customer/Login/AccountLogin?isValid=True

You may even be able to see old certificates.

Oh, and by the way for future reference... 0333 043 2066

But surely this would of flagged up, when i got a ticket for speeding?? Feel sick to think I've been driving around with no insurance.

Depends. How were you caught? Camera or were you stopped by a police officer?

Camera

Camera

In that case, they wouldn't have checked insurance, and even if they had the vehicle would have shown as insured.

Have you had a look at your documents online?

Yes unfortunately I wasn't insured and haven't been for the past 18months!

That's was an expensive mistake.

Just glad I never had an accident.

Thanks for your help.

husband clearly at fault so change husband whe you renew next time as this one has committed an offence of allowing you do drive whist uninsured.