Sue P
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You firstly need to contact your insurance company to see why it was cancelled. They definitely should have at least written to you about it, companies don't generally cancel cover without notification. If it was due to the fact that perhaps your financial details had changed and they couldn't take payment then surely they would have contacted you or even written to you to say your policy had been cancelled. Did you move address during the year and not inform them? Motor insurance cannot generally be backdated though it is done in certain circumstances. Once you find out the reason for the cancellation and once there is a valid reason why you didn't know about, you should plead your case and presuming you have never being caught for anything like this before, you should be able to get away with a fine. Thereafter, you need to ensure that your financial details/contact details are kept up to date or perhaps call to the insurers to pay from now on to make sure it doesn't happen to you again. Good luck!! |
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translatorinspain
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Why did your company cancel the policy? You will have to go to court, so it would be useful to prove you didn't know your policy had been cancelled. It sounds as though your policy was due for renewal and perhaps you didn't receive the renewal notice, in which case I'm afraid you're going to have a fine and points. Good luck and try to pay your future policy by direct debit! |
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MRWIZZ
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Yes this happened to me but I did not get caught, I was lucky, usually your insurance company renews your insurance unless you state other wise on this occasion my insurance changed the way it did things for awhile never sent me a reminder, if you can prove that your insurance company cancelled your policy with out letting you know then they are in breach of contract and you should be able to plead mitigating circumstances but to be honest its long shot, as your not dealing with a human with these sort of fines the police just put in the ticket then the computer does the rest law is the law you drove with out insurance period. |
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Avignon_11
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Contest the ticket in court, bring evidence that showed that you paid your last insurance premium and tell them that you did not know that your policy had been canceled. |
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Jo W
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How did you pay the premium? If the insurance company returned your cheque or hasn't debited your credit card, then the presumption is that this fact alone should have made you aware of the fact they won't insure you. |
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Expert Realtor
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I don't believe that didn't send you a notice. I have a feeling you didn't keep them informed of your current address or didn't understand what you were reading.
They are required to send you a notice even when they cancel you for non-payment.. |
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bj
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well I guess when you go to court you'll have say yes i was driving without ins. but my company cancelled me. Maybe the judge will go easy on you.. |
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faulconergreg
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Sounds to me like you have a ticket coming. You better go to an insurance agent and renew........ |
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Dee L
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This happened to me because my insurance company tried to collect my payment on an old credit card which had expired.
They wrote to advise that the premium had been cancelled but when I ran said that if I had had an accident they would have covered me for upto one month after cover stopped.
Ring the insurers and see why they cancelled the policy and say that you did not receive notification - if you pay now they will confirm the reason and you should be able to use this for the police. |
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P L
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points on your licence plus a fine at the very least im afraid |
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musicman47
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You should have had some notification? They must let you know that you are cancelled! Did you have many accidents, and or tickets? Contact your former insurance company and find out why it was cancelled? |
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olliedog
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Why did they cancel it? Did it run out or did you do something wrong or give them incorrect information, or not keep up monthly installments?
Any of the above and I'm afraid you are in the pickies. |
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Nicole K
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You will definitely get a drivers license suspension notice from the BMV and you probably had your car towed away huh?? You better go to that insurance company and get this all straightened out or you'll be fu(ked if you know what I mean. been there, done that!!!! |
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Brandy
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most likely you will just get a ticket for not having insurance and the price will vary by state. In some states if you car is not insured and you still have the tags they can suspend you license. It depends on the state I think |
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welcome news
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The first thing to do is to get proof from the insurance company that they obeyed the correct procedures to cancel your policy. This normally means that they must send you a letter by recorded delivery to your last know address advising you that the policy will be cancelled (check policy wordings). If they can't prove they did this then they didn't. (SOP - if it ain't written down it didn't happen).
If they did not obey correct procedures then write a letter of complaint to them highlighting this omission and stating that in your opinion they have not 'treated you fairly as a customer'. (NB Use this exact wording). Point out also the consequences of their action. They should reply within 7 days, confirm their decision in 28 and advise you what redress they are prepared to offer. If the redress is unacceptable then you contact the FOS (details will be provided in the insurer's final letter)
If they can show that the letter was sent and, for instance, you did not collect the RD letter then things get tougher. You will have to find out why they cancelled - if this was a direct-debit error then you will have to find out who/ why the mandate was cancelled. If by the bank in error then you will have to make a complaint against them. |
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CW
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You'll have to consult a solicitor on this one but generally speaking claiming that you thought you had insurance isn't usually considered a good excuse. |
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HomeGrown
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Honey, insurance companies don't just cancel your insurance without sending you some kind of written notice. Now, if you moved and didn't bother to let your agent know, then you probably didn't receive the paperwork...but it isn't your insurance company's responsibility to track you down. They send you notice that you're being cancelled, the effective date of the cancellation, and why you're being cancelled.
In my state you get a hefty ticket and your license revoked for driving uninsured. You can try to plead your case to the judge, if it's your first time getting a ticket for this...but I sure wouldn't let it happen again. |
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kat
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just renew your insurance and bring in to the police station to prove you have it now. |
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jeffrey61
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have had an accident. My fault. Have gone through insurance company who now say that my insurance is cancelled because they say I had an undisclosed item? I had an accident back in 2006 which the only one in 5 years and I declared it. They dateof the accident on my policy shedule is wrong about 10 months out but on my statement of demands and needs it is correct. I assumed typo. but now they say that I havent disclosed the correct information and have declined my claim and cancelled my insurance? What can I do? |
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