I got a letter from the police!!?

Question

I got a letter from the police about my car being involed in an incident and have been asked to provide the usual details. Thing is i have somehow missplaced my insurance cover note - when i rang them they refused to give me a replacement with out any more details of why! i won't get these details till i give my insurance in- the lady at the station was shocked by my insurance companies behaviour sayaing they should have given me it. Now i will prob get prosecuted for not be able to produce my insurance aswell as the other thing! What do you reckon?

P.S. admiral are ruining my life! my opinion is nobody should insure themselves with admiral!

the only replacement they will give will be dated from the day i ring up for it!

Answer 1

I am shocked to hear what you are saying about your Insurance Company and here are a couple of suggestions that may help.
With the modern technology the Traffic Police have at their disposal they will be able to tell if your car was insured by running your details through the DVLA Database this will flag up wether you have Insurance/Tax and MOT etc.
You should also have been sent a document outlining your policy (policy documents) there will be dates on that.
You need to speak with a Manager of Admiral and get this matter dealt with as a matter of urgency because they are being a pain,stick to your guns and good luck.

Answer 2

Don't ask for a cover note, ask for a copy of your certificate of insurance. A cover note is only valid for 30 days and then the certificate takes over, all a cover note is there for is as a standby until the proper document is released.

I can't say for certain but it is unlikely that you will be prosecuted as long as you were insured at the date of the accident. I had a similar situation a few years back when I was involved in an accident on my motorbike. I too couldn't find the insurance document. I was cautioned by the police and if the case was pursued and I could not prove that I had insurance at the time of the accident I would have been prosecuted.

All will be well as long as you certainly had insurance at the time of the accident. Phone back and ask to speak to the line manager, or even talk to the customer service department and explain to them. If your document is lost they might charge you for a replacement as loads of people misplace their documents and only think about them when they are in a similar situation to the one you are in now.

Answer 3

Admiral are not the best company to insure your car with. I had a bad experience with them whilst making a claim.

BUT

They would not refuse you replacement documents if there was a legitimate reason for you needing them.

There is something you are not telling us. Have you cancelled your insurance with them? Even if you have, they should still give you a letter confirming you were insured between two dates.

I'm sorry, but I don't believe your story. It is a bit too convenient that you have managed to "misplace" your insurance documents after you were involved in an accident. Admiral would send you a copy without hesitation if everything is above board.

I suspect that you had cancelled your policy with them, and when you asked for replacement paperwork to show you were covered, they rightly refused.

My appologies if I am wrong, but that's what it sounds like going on the information you have given.

Answer 4

Say you need a replacement cause you have to tax your car soon or that you simply got pulled for a random check and need your documents to produce at the station. Ask for the insurance certificate not a cover note

Answer 5

If you tell the police who your insured with, and ask if it is possible to use a police phone to order a copy be sent to the police station. When you say you are in the police station and you want it posted there they will send it. If not the police will request it under the requirement for information act and will charge Admiral as well. It's their duty to provide a copy of the agreement to you, and facing a police demand they will adhere to that duty.

Answer 6

My advice...switch insurance companies NOW!

If you are current on your payments with this company, then I'd call them back up and tell them that since you are not delinquent, then they'd better give you any darn paper dealing with your policy that you want, or else your gonna report them to the Better Business Bureau and the Attorney General and who ever else will listen. There is such thing as the Freedom of Information Act and if you are wanting your policy documents, then they are required to give them to you.

If all else fails, you might have to call an attorney and pay him $50 to make the phone call for you and threaten them.

Good Luck.

Answer 7

they have to provide a replacement. speak to a manager at admiral and explain that your old one is lost.
You are insured so you cant get prosecuted for no insurance, but you may get done for failure to produce if admiral don't send you a replacement ( which they HAVE to by law).

Answer 8

RELAX The police already know if the car is insured or not they just check on the national insurance data base . they can tell if it has tax / m.o.t / and insurance . contact the police again and tell them that you have misplaced the information they need and can they check the data base , they will do it . but best you approach them and tell them the situation rather than them come asking question`s .

Answer 9

Please never write to any company! The monkeys they employ on the phones have little brain power and even less authority. WRITE to them explaining the situation and give them a time limit to respond to your enquiry. Even if you have to pay for a replacement, they shouldn't refuse to send you a replacement. Idiots. Make sure you put their refusal to provide you with this in writing to the police as well, to mitigate your liability, too. Good luck!

Answer 10

I reckon you should get use to the idea of prison food and a big friendly cell mate!!
Still with a bit of luck you should be out in time to re-new your car insurance next year