Thankyou so much for all the help, As for whether the old car was re-insured by the new owner, the car was sold to someone we know and up until last week it was still in their garage not being driven but there may be a chance that theyve taxed and insured it in the last week,i will have to check with them. After all of your advice I feel confident to go ahead and try to take legal action against More Than so thank you again and I will post with any updates.

Im sorry to bombard you all with messgages but I thought I should just mention that I put my reg number into MID as postggj suggested and it came back saying it wasnt on there. However, out of curiousity I put in my old reg number (for the car i originally took the policy out on in september) and it has come up saying that it is on the Motor Insurance Database?! what does this mean-that More Than didnt transfer the vehicle despite sending a new certificate with the new car details on?! i am getting very confused now, can anyone shed any light on this?!

hi, fantastic, thankyou so much for all your advice, esp bookworm because I just got some advice from a solicitor and that was exactly what he said to do aswell! More Than are now saying that they sent a letter a few days after sending out the amended certificate (with the new car details) saying that they checked their records and realised they hadn't received payment. I never got that letter and to be honest i really dont think there ever was such a letter. More Than are refusing to budge but i managed to get the women to admit on the phone that they didnt know payment had not been taken by them. However they are saying they gave me the required notice of cancellation when they did eventually realise their mistake. Are they going to beable to literally print off a back dated letter and use this as evidence? I know I did not get this supposed letter even though I have had no problems receiving all other correspondence such as the schedules and certificates! I feel terrible for the car owners vehicles. I don't know whether to contact them and let them know whats happening? The solicitor told me to write to More Than putting exactly what Bookworm put in his post and if they still say I am not insured then he will take on my case? Even on a point of principle I want to take action against More Than, my girlfriend is a named driver on the policy and we have been potentially driving with no insurance since they are saying they cancelled it back in November, as a student on the LPC and becoming a trainee solicitor next year, she says that if she had been stopped while driving my car then this could of potentially affected her career!

sorry just re-read my original post and realised I put the police will charged with driving without a licence! I meant driving without insurance! sorry as you can imagine I was a bit panicked writing that post.

sorry!

Hi all, I am having a nightmare situation and I really need some advice if possible. I had an accident last night and manage to damage two stationary cars that were parked (I skidded on ice and collided with the cars). I gave the owners all my insurance details and thought everything would be okay. I then rang More Than to make a claim only to be told my policy was cancelled on the 5th November due to non payment! I took out the policy and paid in full on the phone in september, I was told everything had "gone through" and thats all I needed to do. I recieved the certificate and was not told of any problem with payment. I even rang up in october when I changed my car and they sent me a letter with a new certifcate and informed me that because my new car was cheaper for the insurance they were refunding me the difference! again-no indication that there was any problem. I have recieved absolutely no notification of cancellation or even any contact to say I haven't paid. I have gone onto my bank account and I can see they never took a payment, despite having the money available in the account. I hit an audi and a bmw and I am looking at 1000's of pounds of damage and More Than are saying they can't get any informaton up on the screen and I need to ring back on monday. As you can imagine I now have two car owners that are expecting to have their cars repaired and I am assuming I could also be taken to court for driving without a licence if they contact the police?? Any advice would be greatly appreciated.I know more than have a duty to inform me of any changes to my policy so how do I go about taking action against them-bearing in mind it needs to be speedy because those cars are not driveable and need to be repaired ASAP! Thankyou in advance.