Car insurance

[Roger Goldthorpe]

One small caveat on this... be sure to check you have cover for both vehicles. When I ADDED a Series 2 Land Rover, the very helpful person from RH mistakenly cancelled the insurance on my 7, assuming it was a replacement. As I got the new certificate in the post with a lot of other familiar paperwork, I didn't check every detail, so I didn't find out until the next renewal a few months later (though I guess this could happen with any insurer.)

Ultimately my responsibility I know, and I'll not be drawn on whether I drove uninsured for three months or so... Still, a miss is as good as a mile!

I confess when my papers came through I assumed my policy had renewed on direct debit but I was not entirely correct. After a while you get a stern letter from the motor insurers' database but it may well come too late.

My ‘other’ cars tax and insurance are six months apart and the insurance is paid by direct debit. On one occasion all the paperwork came through at the appropriate time so all was fine until I tried to tax the car on line six months later.  DVLA had no record of the car being insured. Call to insure revealed that they had failed to take the payment out of the bank and therefore I was indeed not insured. I should have checked my bank account more carefully but it isn’t always obvious with so many direct debits and standing orders.
 
So be warned it isn’t just ‘the small print’ that one needs to read!
 
Roger