Forced out of car due to insurance blunder Vol 2. - Stephen Farndon

***** This thread is now closed, please CLICK HERE to go to Volume 3 *****


Hello Gents,

Have just discovered your board here and I think you should see a copy of my latest on the entered on MEN discussion board:

To get the context, I'm replying to this post from someone called 'HighwayMan':
"Mr Farndon, aside from the fact that your insurance company is obviously in error, were you not asked who your insurance company was in order for the police officers to ring and verify you possessed insurance? Were you not also given the opportunity to be removed from your location by way of the recovery vehicle that took your car, instead of taking the opportunity to walk up a slip road to a waiting vehicle which must have come from some distance to collect you and thus had you waiting for an extended period of time?
HighwayMan , "

My reply:

"Highwayman: OK, valid point. Glad you brought that up. To begin with, I don't consider it reasonable to expect the accused to remember, or even know, who he/she is insured with, for the simple reason that if the police have the power to execute summary justice by the side of the road then the onus is on them to make sure that they are absolutely sure of their facts. They have put themselves in the position of judge, jury and executioner remember. I was a named driver on my wife's policy - in general most named drivers have nothing to do with buying the policy so simply won't know the insurance company. The same goes for anyone driving a fleet vehicle on a fleet insurance policy. But more on that in a minute.

Some gorey details for you to chew on:-

Yes, the officer did ask me who I was insured with. In fact that was the second thing that he asked me after asking if I was the owner of the vehicle. It seems, from an entry on another forum by a policeman, that this is what the experienced ones have learned to do to try and cross-check the info from the ANPR. Truth is that I couldn't remember on the spot, but, hey, it's Easter Saturday morning after a hard week's work and I'm relaxing with the family on a nice day out laughing and joking with the wife and children - I'm not mentally geared up for a mini-trial on a cold windy motorway slip road. But think about it, the officer told me that the database told him that my insurance had lapsed on Feb.11th so when I told him that we (my wife and myself) were 99% sure that it had renewed itself automatically on direct debit why didn't he just go back to the database read-out and get the name of my previous insurer and phone them up? Easy, eh? Answer: because the database read-out doesn't include that detail. Amazing, isn't it, that after 3 years of seizing cars off innocent motorists the police haven't insisted on having additional pertinent details available to them. And the reason for that is the police simply don't take responsibility for the accuracy of this crime-busting tool/weapon - they pass the buck on to the Insurance companies instead. The police *DO* have moral responsibility to act justly, including ensuring the veracity of the evidence *BEFORE* they pull the trigger not afterwards. Otherwise the police stop being police and turn into machine-operators who are 'just doing their job'. If the law fails to place responsibility with the police, as it does now with the MID, then we are in a very dark place. In that situation the police have no incentive to improve our experience of justice in this country, they deflect responsibility on to third parties, some of whom are making eye-watering amounts of profit from selling enforcement systems. We are left trying to sue these third parties and if we are very, very lucky get some compensation. The way that it should work is that the police compensate innocent motorists and then recover costs from insurance companies. That's the way it works under the Sale of Goods Act where it is, ultimately, the Retailer who is responsible to the Consumer - if I sell a faulty computer to you then I have to put it right, not the Manufacturer, then I in turn take up the case with the Manufacturer. It's common sense because otherwise I could sell you a shed-load of dodgy computers, pocket the proceeds and all you get from me is 'Go and see Hewlett Packard mate. Not my problem'.

More gore:

About the fourth thing that the officer said was that he was seizing my car and he 'asked' me to hand over the keys. Next we go and sit in his Range Rover and he writes out the Seizure Notice. Next he reads me my rights. I am arrested and booked. I'm in a state of shock (I did not say 'you're joking'). I'm racking my brains to think of anything that I can do to check my insurance. I see our car in front with Jane and the children inside and I realise that they have no ventilation because they can't operate the electric windows without the ignition key. The windows are steaming up and it's getting a bit muggy in there. I hope that the baby's OK. I ask the officer for permission to have the car key back to go and let some air in. He agrees and I go up to see Jane, who, being a wonderful person, is cool, calm and collected and, mercifuly, the kids are fine too. Jane tells me she is sure that we had the renewal notice through weeks ago and she remembers seeing the direct debit go out on the bank statement - so that's two of us. Back in the police wagon the officer is adamant that the only thing that will allow me to repossess my car is if he has sight of my insurance certificate. I phone my father-in-law for a lift and he's on his way from Newby Bridge (about 25 mins away). Again I have to get permission to leave the police vehicle and go and inform Jane what's happening. Eventually, my father-in-law arrives, is directed by the police to park on the bridge over the motorway on the interchange itself where, by this time, there is another police vehicle parked. Coincidently the recovery vehicle arrives at the same time and lines up in front of my car on the hard shoulder. Just as the driver is readying all the straps and gear to attach to my car the four of us retrieve armfuls of baby gear, bags of food, sports kit and Jacob, the baby, and abandon the car. The officer directs us to wait for him to stop the two lanes of traffic on the (exit) slip road so that we can cross over to the right-hand side. It's now about 11:15am, about 6 degrees with a sharp wind under blackening skies and we are bracing ourselves against the elements as we set off in a crocodile up the outside of the slip road the 70 yards up hill to the bridge. As if on cue it starts to sleet. I suspend disbelief at the whole situation and concentrate on the childrens' safety. I try to protect them by walking behind them and the officer is in his high-vis jacket behind me - so a car has to take out us two first before it hits Josh in front of me. We are on the white line, then there is the edge of the road and then the crash barrier. It is really unnerving when you know that you are walking on the wrong side of the road, even on a one-way street, because you know that it's the wrong way round for drivers who want to pass you. Doubly so when you can't see them coming. It is busy but thankfully drivers seem to slow down a bit as they go by. We load ourselves up into Graham's car and thaw out.

Within the hour I confirm with Budget Insurance Services, my broker, that my policy is up to date and I am covered. They are most happy to take a call from the police to confirm this directly. I phone Cumbria Police who tell me that I have to speak with the officer in question who is on patrol and doesn't finish until 5pm - he will call me back then. At about 5:20pm the officer calls (I am on the train back from Grange-over-Sands at this point). I explain that I have confirmation that I am covered. He insists that he is not going to believe Budget Insurance at the other end of a phone line and that the only thing that will change the situation (i.e. get my car released) is sight of my insurance certificate.

By that time it is all too late anyway because the car is in a car pound in Carnforth and by the time we got there it would be shut until Tuesday (it being the Bank Holiday weekend).

How do I feel at this point? (read this next bit slowly to let it sink in...) Violated. Dispossessed. Cheated. Abused. Insulted. Incredulous. Determined to find the person responsible and get justice.

...all for doing absolutely nothing wrong.

And nobody cares...

The police have not apologised. The MIB have not apologised. HSBC Insurance have 'apologised' but haven't backed that up with a meaningful offer. The Government haven't apologised for breaking their promise to provide statutory compensation for innocent motorists who have their car seized (still waiting after 15 months).

Just hope that this doesn't happen to you because the law is rigged so that there is a 1 in 20 chance that it will and many horses have won races at longer odds than that."
(end of MEN post)

I hope that this will stand as some kind of definitive record of the case. I've tried not to exaggerate for effect.

Note to any policeman out there:
Your colleague was courteous but firm throughout. Neither he nor I raised our voices at each other. The initial feeling, on arrest, was shock. Only later on the train, when I knew without doubt that I was innocent, did I feel so disgusted. Then later still after I'd dragged up all the facts I could muster (Debates in the House of Commons, questions to the MIB, similar cases mentioned on the Internet, etc.) and discovered that the trail led back to the EU did I discover what kind of injustice this is. I believe that the police have been terribly let down by a compromised/compromising Government (in other areas, not just bad enforcement tools). There have been so many violent crimes on other businesses around where I'm based (Northern Moor) - about 6 armed robberies, and car-jackings in the last 6 months - that I am only too aware that we need good, motivated policeman with good morale, and a lot more of them. I imagine that bad laws and enforcement tools undermine morale and that bothers me.

I hope that this case will help you see that there are decent, law-abiding, hard-working, sensible people who really want to be on your side but you are being alienated from us by the EU laws and systems and culture that you are called to defend. The European Arrest Warrant, for example, where someone can be extradited to an EU country without a British Court even seeing the evidence, as in the case of Andrew Symeou (see www.ukip.org/content/nigel-farages-blog/696-the-lo...e) .

And on a more everyday topic, the EU plans to put up the cost of getting our car repaired (not a law-enforcement subject I know but still related to Motoring): www.ukip.org/content/leading-articles/784-eu-cost-...s

OK, these, are entries on a political parties website but verify the details and let me know if they are wrong. Those are two examples among many. And, yes, I am a member of UKIP. I'm not a political animal but I chose to be a member out of self defence.

Over to you.


Moved into a 2nd Volume as no doubt this posting will illicit a response !

Edited by Dynamic Dave on 07/11/2008 at 19:03

Forced out of Car Due to Insurance Blunder - midlifecrisis
" Next he reads me my rights. I am arrested and booked. "

You were 'arrested and booked"..don't think so! The clues in the fact you walked away.

You were allowed to sit in the Police vehicle until your relative arrived, whereupon you had a Police escort to the car.

So you, correct me if I'm wrong, at no time were you 'abandoned' on a motorway or anywhere else. You sat in the vehicle until your lift home arrived. You never had to walk alone on the motorway.

I'm sorry you insurance company messed up, but you've just reinforced the hysterical attacks on the Police were completely without foundation.

And I'm no fan of the EU..but your anti-European rants do you no favours.

Edited by midlifecrisis on 10/10/2008 at 21:22

Forced out of Car Due to Insurance Blunder - Pugugly
I was wondering about the arrest thing as well. If you were arrested there is a 90% certainty that you would have ended up in a Police station - there is a chance you were "de-arrested" but you would have been told.
Forced out of Car Due to Insurance Blunder - midlifecrisis
I suspect reported for no insurance. A significant difference.
Forced out of Car Due to Insurance Blunder - Fullchat
Maybe the Caution confused him.

But in any event credit for coming aboard and giving the story from the 'horses mouth'.

Edited by Fullchat on 10/10/2008 at 22:20

Forced out of Car Due to Insurance Blunder - daveyjp
Couldn't this be sorted by making it an offence not to have up to date insurance and other driving docs available for inspection when stopped?

Painful for many who decide they don't want to play by the new rules, but there are thousands of these on the roads anyway.
Forced out of Car Due to Insurance Blunder - Leif
I'm sorry you insurance company messed up but you've just reinforced the hysterical attacks on
the Police were completely without foundation.
And I'm no fan of the EU..but your anti-European rants do you no favours.




I read the first posting, and I see no criticism of the officers on the scene, who are described as executing their duty as per regulations and in a professional manner. They did not provide tea and cakes, but neither were they rude. I fail to see what else they could do. It was a bit theatrical, but then again, we all do that. I thought he criticised the system, primarily the government. Ordinary citizens are expected to suffer whenever an insurer fouls up, and that is all too commonplace. I can handle being stopped and searched (which has happened quite a few times, and on all but one occasion in a professional manner), but having the ability to take possession of a car because of an error in a badly maintained database, that is not acceptable.

Perhaps we need a system whereby the onus is on the insurer to add an entry, and a £1000+ fine if they fail to do so. I bet that would work wonders! You would suddenly see insurers putting in sophisticated processes to ensure compliance. As it is I suspect that they have little incentive to get it right, and the market is so competitive that cost cutting makes them skimp on such 'minor' issues.
Forced out of Car Due to Insurance Blunder - midlifecrisis
I didn't mean him. I meant all the posters accusing Police of dumping the fellow and his family on a motorway.
Forced out of Car Due to Insurance Blunder - Leif
I didn't mean him. I meant all the posters accusing Police of dumping the fellow
and his family on a motorway.



Okay, fair point.
Forced out of Car Due to Insurance Blunder - gordonbennet
[Looks like it worked brilliantly in the case of Stephen Farndon. Taught that "chav/sponger/thief/scrote/insert your own term here" a lesson, didn't it? [/sarcasm] ]

Nowheels,

the quote above is your admitted sarcasm against me i presume from volume 1 of this thread.
If you bothered to read the post properly and quoted the important first part of that sentence.....

[To me its just another situation where the innocent law abiding decent person suffers because of the chav/sponger/thief/scrote/insert your own term here.]

You will see that i had full sympathy with the unfortunate victim of this situation, and was commenting on how another innocent had fell foul of the system due to the unlawful sizeable minority, not the fault of the police but the fault of too lenient sentencing on the real uninsured driver.

I await the next sarcastic wit...

Forced out of Car Due to Insurance Blunder - Westpig
>>Westpig's answers here suggest that there's a fairly simple rule at work now: give police a power and they will use it, rather than exercising common sense, and that their colleagues will defend those actions regardless. It's not a brilliant case for extending police powers, is it?

NW, for goodness sake

what on earth agenda are you on

i'm all for common sense..only the other day my lads stopped someone driving a hire car, hired because his wife's car was being repaired. He was a named driver on her policy and somewhere along the line when the car was hired only the wife was covered to drive it, not the husband. End result..after some advice via the personal radio.. if the hire co. couldn't sort out some insurance pronto, the husband has to hoof it, hire co. come and collect the car and we don't seize it...

the previous correspondence posted by me related to the fact that Mr Innocent often can't be differentiated from Mr Guilty, because people tell lies, so Mr Innocent ends up being diseblieved along with Mr Guilty... that is the way of the world

where on earth do you get all this 'all police not willing to exercise common sense' from?

I would imagine there are many other subjects that if someone said to you 'all xxxxx are............' you'd interject and state that was stereotypical and somewhat lacking in open mindedness, would you not

whether you like this legislation or not, it remains difficult to ascertain who is truthful and who is not and if there is no proof of insurance easily obtainable, the car comes in.

for the record, despite the flaws as already stated, (which could easily be sorted with a tightening of the rules for recording the info) I think it is a superb bit of legislastion and have taken enormous pleasure at watching some toerag walk up the road without his wheels, because he's too damned selfish to pay for his insurance like the rest of us.
Forced out of Car Due to Insurance Blunder - NowWheels
where on earth do you get all this 'all police not willing to exercise common
sense' from?

[snip]
whether you like this legislation or not it remains difficult to ascertain who is truthful
and who is not and if there is no proof of insurance easily obtainable the
car comes in.


And that's precisely the problem with the way this law is being implemented. Common sense says that you don't rely on broken systems to apply draconian penalties.

There is no requirement for us to carry insurance documents at all times, so most of us drive around without them, not wanting to leave them vulnerable to anyone breaking into the car. Mine are safely field away at home, available if I need them to make a claim or have to take them somewhere for other purposes (such as VED renewal).

A bit of common sense applied to these cases would tell police that since most people don't carry insurance docs with them (being neither required to nor advised by the powers-that-be to do so), the only tool the police have for checking on the spot is a database which is known to be broken. A broken database is not proof, it's suspicion, yet this guy was subjected to summary justice because he couldn't prove his innocence.

Because of the police's mindless reliance on a database which is unfit for the purpose it is being used for, we now have is a situation where a law-abiding individual is at risk of having their car removed simply because they cannot prove their innocence on-the-spot.

I don't agree with Stephen's anti-EU rant, and I think it's a pity that in his anti-EU fervour he has missed the point that while EU may require the database to be set up and maintained, it doesn't require the British police to place complete faith in it for their enforcement.

There is an absolute requirement to display a tax disc, and I have no prob with cars being taken away for people who breach that simple and clear rule. But when it comes to insurance, we are required to be insured, not to have on-the-spot-proof of that insurance, and you and your colleagues are behaving as if that was the requirement. It isn't.
Forced out of Car Due to Insurance Blunder - Westpig
Because of the police's mindless reliance on a database which is unfit for the purpose
it is being used for we now have is a situation where a law-abiding individual
is at risk of having their car removed simply because they cannot prove their innocence
on-the-spot.
.............
There is an absolute requirement to display a tax disc and I have no prob
with cars being taken away for people who breach that simple and clear rule. But
when it comes to insurance we are required to be insured not to have on-the-spot-proof
of that insurance and you and your colleagues are behaving as if that was the
requirement. It isn't.


NW, The democratically elected British Govt implemented this system...If as you suggest the police were to work to rule and not use it they'd be ignoring what the govt wish and have enacted. Send your complaint their way, not to the people trying their best to use it.
Forced out of Car Due to Insurance Blunder - NowWheels
sq
Westpig, please clarify which law requires you to use the seizure powers even when you know that the database is broken. My understanding is that it just gives you a power to seize, but I'm sure you'll correct me if I am wrong.

Edited by Pugugly on 11/10/2008 at 00:07

Forced out of Car Due to Insurance Blunder - Westpig
NW,

As you very well know there is no requirement as such to use a specific power. However, if a law is passed that covers a particular prevalent problem in society and is welcomed by the police because it makes it considerably more easy to collar people with no insurance..but... there is a flaw in it, as previously discussed to death

then you can hardly blame police officers for continuing to use it, when on the whole it does a good job

It is not and should never be the police force's role to choose to completely ignore laws passed by parliament...which of course is different to applying discretion i.e. how you deal with that law.

Complaints about a law should be addressed to the law makers or challenged through the courts

in previous posts about speed cameras and NIPs coming through the post and having to self incriminate yourself by declaring the named driver...i too have queried the loss of civil liberties in this country....i quite see the loss of civil liberty angle in this case as well.. (albeit the pain is outweighed by the gain IMO, if the database was properly sorted, which at present it isn't)...I think that those issues should be addressed by debate with out lawmakers, not doing down those paid to implement it, or suggest they should ignore it.

What other laws would you like them to ignore? Who chooses which laws the police should ignore?.. or should the police do what a democratically elected parliament tells them to?

Forced out of Car Due to Insurance Blunder - Pugugly
I'm sorry to disagree Westpig - but in the heady days (sadly gone now) where Forces were politically independent they could happily disregard bits of poor law by not enforcing it. Dangerous Dog Act and to a lesser extent the Hunting Ban...
Forced out of Car Due to Insurance Blunder - NowWheels
What other laws would you like them to ignore? Who chooses which laws the police
should ignore?.. or should the police do what a democratically elected parliament tells them to?


Westpig, you still don't seem to get the very simple point that my problem is not with the law but with the method of its enforcement. My beef is with the way that the law is being enforced by your officers despite the database being broken.

Did the democratically elected parliament actually tell you to treat a broken database as if it was 100% accurate, and to punish innocent people on the basis of unreliable evidence? I doubt it.

My guess is that if there was any parliamentary scrutiny of this power (rather than just being nodded through as a regulation under the negative resolution procedure), it was passed on the assumption that the database would be maintained with a high degree of accuracy. That assumption is clearly false.
Forced out of Car Due to Insurance Blunder - Westpig
Westpig you still don't seem to get the very simple point that my problem is
not with the law but with the method of its enforcement. My beef is with
the way that the law is being enforced by your officers despite the database being
broken.

NW,

Quite simply........I'm stating that there are often difficulties in establishing truth and that the legislators wish us to use that power? Working out on the streets isn't black or white, there are huge shades of grey, so mistakes will happen.

There are guidelines published, so that officers use the sytem fairly and responsibly, so that the innocent aren't caught up and the decent members of public aren't inconvenienced..but.. nevertheless some do still slip through...it is almost inevitable with a poor database..although there are other areas that an officer investigate as well.

I agree that database should be improved, but that would need to come from Govt in consultation with the Insurance industry. Could you imagine the reaction if ACPO asked the MID to get its' act together, i'd imagine the first thing that would be argued back would be about 'are they willing to assist with funding'.

that database is not maintained or managed by the police. The legislation was not drafted or enacted by the police.
Forced out of Car Due to Insurance Blunder - R75
I'm sorry you insurance company messed up but you've just reinforced the hysterical attacks on
the Police were completely without foundation.



The Police messed up as a result of misinformation. Pure and simple. It never ceases to amaze me just how often we hear the Police blaming everything else possible for their mistakes.

If the system is at fault don't use it, simple. The Police impounded a car based on information they have been given, this then meant the driver had to pay to get the car released, even though it was the Police who impounded it due to their system error. They did not release it free of charge did they.

With power comes responsibility, but all we ever hear now is the Police passing the buck and blaming anyone else they possibly can.

Start taking responsibility for their actions and then they might get more respect from the average Joe!
Forced out of Car Due to Insurance Blunder - Westpig
The Police messed up as a result of misinformation. Pure and simple. It never ceases
to amaze me just how often we hear the Police blaming everything else possible for
their mistakes.


Don't see it the same way. Yes the police do mess up, it can easily happen. Didn't happen on this occasion, they acted on the info provided, which was incorrect. The info was incorrect due to an Insurance Co. failing to enter the info properly, onto a database as they are required to. Yes the database was incorrect, yes the family were hard done by, yes the family car should not have been seized..but not because the officer did anything wrong himself.
If the system is at fault don't use it simple.


It is not the place of Police to refuse to use a system that the Govt has introduced with legislation.
With power comes responsibility but all we ever hear now is the Police passing the
buck and blaming anyone else they possibly can.


Agree with the responsibility bit wholeheartedly, not with the other, see above.
Start taking responsibility for their actions and then they might get more respect from the average Joe!


Damned if you do and damned if you don't. Utilising legislation that has a flaw...bringing to book many thousands of people who don't pay for insurance, the flaw could be put right (mostly) but that is beyond the scope of the police as it is a requirement of a private industry by the Govt... it would be nice if 'Average Joe' directed his ire at those that oversee this, enact it, etc
Forced out of Car Due to Insurance Blunder - R75
They only acted on partial information though didn't they Westpig. It is known that the database is not 100% correct so why take the car and treat the driver as a criminal when he was not?

Abuse of power, pure and simple.
Forced out of car due to insurance blunder Vol 2. - NowWheels
Moved into a 2nd Volume as no doubt this posting will illicit a response !


It has indeed elicited a response, but thankfully none of the responses appear to be illicit. :)

[/pedant]
Forced out of car due to insurance blunder Vol 2. - Pugugly
fair enough NW - tired tonight after a verytough week.....
Forced out of car due to insurance blunder Vol 2. - Westpig
TRANSFERRED FROM 'Vol 2 What Police would like to change'.. (Replying to Nowwheels)

>>Indeed. So use the database as an indicator that there might be an insurance
problem, and issue a producer ... rather than taking it as gospel and impounding the
car. It'll save time for you and your colleagues, giving us all better value-for-money as
well as avoiding the punishment of the law-abiding.>>

you haven't listened to what i've been saying. In an ideal world i'd agree with you. We don't live in an ideal world. So some of the checks done to establish whether there is or is not insurance, inc checking the database can easily leave you still not knowing. Joe Public can be sarcastic, unhelpful, obstructive, in your face angry, know all, ignorant, rude, etc, etc...you'd be amazed at how little some people know or pretend to know of their own circumstances..then there are the out and out liars and they I can assure you are very much in the majority.

What you are asking for is discretion if we don't know for sure. That i'm afraid would have the whole system crumble to a halt. If that is what you'd like, then you'll have to write to your MP, as it is their call.

>> Maybe silliness is the wrong word for police who seem unconcerned about using
dodgy data as grounds for punishment of the law-abiding, but I'll not provoke you by
using some of the terms which do come to mind. >>

with well over 25 years in the police i've been spat at; had bones broken; threatened with a knife, a broken plate and a screwdriver; been driven at and had more rude words thrown at me than I knew existed. I'll be able to cope with a bit more, don't worry about it.

Edited by Westpig on 11/10/2008 at 13:34

Forced out of car due to insurance blunder Vol 2. - Optimist
Westpig, reasonably enough, suggests that those of us who don't like the law write to our MP's.

But how does he think law gets framed as it does? Is he really suggesting that the police service/force/whatever has nothing to do with it? I don't think that can be the case.

Do he and midlife crisis carry all their car docs around with them? I don't and I've no intention of doing so. I think if stopped by the police and asked if my car was mine I'd probably reply "do you have any reason to believe it's not?".

We have a real problem here and the police are in the best position to resolve it by saying that they can't rely on the insurance database. I can't be bothered to remind everyone of all the times the private sector has let the public sector down when it comes to information technology.

I'm afraid the other thing that bothers me here is that we're now told a second police car was involved. Midlife crisis often complains about the scarcity of patrol cars on his bit of the motorway network so how can you have two out on a fool's errand?

I recall that in the earlier thread someone suggested that it would be dreadful if an officer issued a producer rather than seized a vehicle and the uninsured car was later in an accident.

OK. Fair point. But insurance doesn't bring back the dead or mend broken limbs. It's the accident that's the dreadful thing not the lack of insurance. When the serving officers write about motorway carnage they don't conclude "thanks goodness everyone was insured", because that's not the point, is it?
Forced out of car due to insurance blunder Vol 2. - Westpig
arguements like this can often become entrenched

I don't carry my docs with me. I've just changed insurer on my car and haven't yet checked to see whether it is on the database, but will do. In my wife's car, despite the fact I did it, i can't remember which insurer she is now with, it changed last time I did it and is the 3rd different one in 3 years (we do carry those docs on long journeys).

I instruct my staff to use the seizure power sensibly and encourage them to seek advice if need be..which they do. I don't want Complaints coming over my desk from Mr or Mrs Reasonable who have been hard done by, because A, It causes weariness for me personally and B, it gives a bad impression of my profession

but...

sweeping comments from people that don't realise the difficulties of establishing truth and fact out on the streets, needs responding to...because if you have a system of saying 'any element of doubt don't use the power'...

then the power wouldn't get used at all....and it's a good one, well worth using, despite the fact there are known flaws.

Edited by Westpig on 11/10/2008 at 13:53

Forced out of car due to insurance blunder Vol 2. - duncansand
I understand all the arguments here. However, I have to say that something is dreadfully wrong if an innocent person can be turfed out of their car. Sympathy to the police given its impossible to tell if they are insured or not. Westpig, I understand the problems at the side of the road - the insured person probably looks the same as the uninsured (the uninsured surely is going to claim there is some mistake). BUT, because there are low-life out there who are abusive and deserve everything they get, it does not mean that a totally law-abiding person should have these powers used against them. No matter how difficult the situation, if we go down this route then the only possible outcome is that the innocent section of society (like me) will become disenfranchised from the police over time. If it was me - and I got stopped and turfed out of my car when I had done absolutely nothing wrong - I can tell you my outrage and upset is going to be substantial. Its completely daft that such situations should occur. There is no way someone like me is going to say "oh, I see your difficulty nice mr plod, please take my car, I know what a hard job you have". Get real - I'm going to be upset, confused, outraged, possibly angry. Some totally innocent people might even get angry enough to get themselves arrested because the police feel threatened by their (understandable) outrage and anger - then we are creating situations that would otherwise never have occurred.

Neither the policeman nor the member of the public should ever have been placed in this position in the first place. It is simply unacceptable that we introduce seizure powers that rely on only 95% accuracy. There is no excuse here - if the use of this database results in cars being confiscated, it has to be 100% accurate. I work in banking IT - we do not accept 95% accuracy for transactions in people's bank accounts. There is no conceivable excuse as to why this insurance database is so inaccurate - other than possibly budgets, a lack of penalties for insurers not complying, systems being rushed in before they are ready or fully implemented and a general lack of oversight into how the whole thing works. 95% accurate is 5% inaccurate - that is a lot of inaccuracy. If there are 20m drivers, that means there are 1m people out there at risk.

How on earth could this situation have come about in the first place? Did someone really sit there and say "oh, its OK if we expose 5% of the population to having their cars seized, because we will be better able to capture the low life that deserve it"? If they did then I am worried.
Forced out of car due to insurance blunder Vol 2. - the swiss tony
< >

Is there any real figures out there, to how many people are driving uninsured?
Would it be more, or less than 5% of the number total driving?

If its less, then the innocent have more chance of being stopped, and having their cars taken from them, than the guilty do!
Forced out of car due to insurance blunder Vol 2. - Westpig
quite agree with everything you've said Duncan...it mirrors what goes on now with other things as well

my angle has been 'don't shoot the messenger' or another element of that 'don't shoot the end user'
Forced out of car due to insurance blunder Vol 2. - NowWheels
if you have a system of saying 'any element of doubt don't use the power'...
then the power wouldn't get used at all....and it's a good one well worth using
despite the fact there are known flaws.


Westpig, in most instances, a police officer collects and files the evidence and it's up to the courts to decide guilt and what punishment to impose. Even fixed penalty notices work that way, because the alleged offender has a choice between taking summary justice in the form of a fixed penalty, or defending themselves in court.

If that was the case with this insurance problem, then handing out fixed-penalty notices would ensure that the innocent were not punished, because they would have an opportunity to defend themselves before any punishment was applied.

But that's not the case here: the police have the power to impose an on-the -spot punishment, in the form of confiscating the car. In effect, the police officer on the spot becomes judge and jury. As you probably know, the standard of evidence for a criminal prosecution is "beyond reasonable doubt", and a similar threshold should be applied for on-the-spot punishments such as impounding a car.

Your force isn't applying that standard. That's why I think that Pugugly is right, and that there will be successful legal challenges to your use of this power against innocent people who were not able to prove their innocence on-the-spot.

Upholding the law doesn't just consist of using a flawed statutory power because you find it useful. It also involves respecting basic principles such as not imposing punishments based solely on evidence which you know to be unreliable.

It's all very telling people to talk to the MPs who enacted this law (and I for one will be doing just that), but when this police malpractice gets challenged in court your reliance on the dodgy database will look very shaky. It won't be you and your officers who have to pay the legal costs and compensation payouts to the innocent victims of the never-mind-the-broken-database-you're-nicked cops ... it'll be ordinary council tax payers. Brilliant. (Yes, I know that most forces have legal insurance, but it won't do much for your premiums to have to payout because you wilfully ignored the fact that the database is designed to be broken).

If your political bosses then object to you not using the power, you'll have to give the simple answer that you could give them now: fix the database, and we'll use it.
Forced out of car due to insurance blunder Vol 2. - Pugugly
"That's why I think that Pugugly is right"

That's a first !
Forced out of car due to insurance blunder Vol 2. - gordonbennet
Can't agree with you there Optimist, the vast majority who keep ourselves legal and do the right thing are far more likely to drive in a manner likely not to cause accidents, if for no other reason than to keep ourselves of good repute, insurable, employable and to avoid being nicked. I'm sure most of us here try to avoid accidents at all costs for far better reasons.

A small example, years ago when getting caught driving at a high speed may have got me several endorsements but hopefully only a severe ear bending i for one may have done so occasionally at appropriate places and times of day etc.
I know getting caught now will end up with me banned, losing my livelihood, possibly going down, and certainly paying through the nose insurance wise for many years, so i don't do it.
Of course this is ignoring the rights and wrongs and is only an example.


Conversely the anti social slob who deliberately drives around with out a care in the world uninsured, will more than likely be equally irresponsible in most other parts of their lives, including their care and attention to driving.
Getting caught seems to be no worry to them as the punishment will be inappropriately minimal, losing a car worth £200 on a good day is no problem either, and there's a good possibility that they are probably unlicensed anyway into the bargain.
It doesn't matter how brilliant our police are at catching these types, until getting caught means as much of a loss to them as my example above, we shall see this problem continue to grow.

My own worry as this problem as well as others continues we will see ever increasing use of monitoring technologies to trap these types.
Now i have no concerns about that, but the monitoring may well be used for other purposes too, which leads us ever further into a totally surveilled society.

Again the police cannot be blamed for this, innocent people always suffer when villains get away with things so easily.

What happened to old fashioned respect for the police, similar to how we were as children and hopefully most of us still are, i've seen surprise on several policemen's faces when i've called them ''officer'', goodness knows what they get called by others.

Forced out of car due to insurance blunder Vol 2. - Optimist
GB. If you ever speak to my missus she'll bring you up to speed on my views about anti-social slobs in £200 cars, since she's listened to them on many occasions in the car.

But if you and I can spot an anti-social slob in a £200 car, and there are said to be many of them, why are the police wasting their time on families (presumably not in a £200 car) who turn out to be insured?

You make another good point. If it's the slobs in the £200 cars that are the problem, the seizure of a moving wreck isn't that much of a deterrent, is it?

Forced out of car due to insurance blunder Vol 2. - Westpig
But if you and I can spot an anti-social slob in a £200 car and
there are said to be many of them why are the police wasting their time
on families (presumably not in a £200 car) who turn out to be insured?


people on limited budgets drive £200 cars as well, as do people who don't want to spend any more on a car..bangernomics I believe it's called. Why should they all be labelled as anti-social slobs?

How about the people who buy a car on tick, pay 2 instalments then default on the rest, they'll be driving around in shiny new cars, no doubt with no insurance either

then there's the ones running around on stolen ones, with cloned identities, some of them can be picked up by the insurance side of things e.g. man driving cloned car that is only insured for a woman (driving the real one)

there's plenty of £20,000 cars out there with no insurance

You make another good point. If it's the slobs in the £200 cars that are
the problem the seizure of a moving wreck isn't that much of a deterrent is
it?

I think it is. It's a gross inconvenience, a fine of £200 (i.e. the car) and happens at the side of the road..a sort of modern 'stocks'.
Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Just to reinforce..I've seized new BMW M3's, New works vans, Driving school cars etc etc. It's not '£200 cars'. It's this generalising and frankly, ignorance, that so frustrates me.

As I've already mention, the database that flags up cars with no insurance enables my small unit to seize around 350 cars/month. Strangely you don't see 350 people in the paper complaining. (Maybe that's because they're not a member of the UKIP)

The same database also means that stopping those cars results in arrests of dizzy drivers, drink drivers, wanted persons and the generally nasty. These make up a significant portion of the 3000 people we arrested in my area last year.

So...you want us to stopp using ANPR and the MID. Fine, when one of these same dizzy/drunk drivers hits you (and everybody says it'll never happen to them) or one of them nicks your car, don't come on here whinging.

I'll point you to this thread saying that we should ignore it!
Forced out of car due to insurance blunder Vol 2. - Optimist
As WP said earlier: let's not end up in entrenched positions. But......

1) Surely the difference between a slob in his £200 car and the man into bangernomics is pretty clear.

2) OK I'm ignorant. How does a new BMW or a new works van get on the road without insurance? How did it get the VED?



Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Buy the tax..cancel the cheque.

Buy the tax..cancel the insurance, etc etc.

Some people don't care. Some people couldn't care less. The fact is the world isn't this utopia made up of black and white that many seem to think it is. If it was easy, we wouldn't have threads like this!
Forced out of car due to insurance blunder Vol 2. - Alby Back
I really do understand the frustration of the police officers who have contributed to this discussion. It does seem to be a no win situation for them.

However, I also worry that the attitude seems to be one of like it or lump it, that's the way it is, it's not our fault or responsibility. Tell someone else.

My view is that who or whatever is at fault here, it is just untenable that innocent members of the public can be so inconvenienced and frankly traumatised in such a way because the system clearly does not work.

If the current method does not work then what would be the ways of improving things ?

Surely no-one wants this crazy situation to continue ?
MLC and other traffic officers - oldnotbold
How many cars have you seized on information subsequently found to be incorrect, such as in Mr Farndon's case?
MLC and other traffic officers - midlifecrisis
Personally never. And I can't remember the last one that was. They are very few and far between. Of course maybe if they were an anti-EU zealot looking to make some warped political point, then we may have heard more.

(How did he survive the blizzard conditions and the near death experience with the steamed up car- Ray Mears could learn a thing or two)
MLC and other traffic officers - Snakey
(How did he survive the blizzard conditions and the near death experience with the steamed
up car- Ray Mears could learn a thing or two)


Ahh good old plod sarcasm.
Forced out of car due to insurance blunder Vol 2. - Westpig
However I also worry that the attitude seems to be one of like it or
lump it that's the way it is it's not our fault or responsibility. Tell someone
else.


I don't like that viewpoint either, in fact I hate it, it is the 'head in the sand' mentality of a bureaucrat...but...if you can't control it, have no say over it then you're only able to suggest to people to address the people than can change things. The viewpoint of not using the legislation at all, which people in my situation could instigate (in the same manner that police officers ignore 32mph transgressions in 30mph limits), doesn't wash with me, because of the reasons mlc has just stated i.e. the amount of good the legislation does, (as well as the bad)... the real effect it is having on the 'low life' which, lets face it, is the one who should be targetted.
If the current method does not work then what would be the ways of improving
things ?


Very Simple. Huge great fines dished out to Insurance Co. if they transgress and compensation to the innocent, to pay all the fees, hassle etc
Surely no-one wants this crazy situation to continue ?


No...as can be seen on here, it causes the innocent to be wrapped up in it.. and does enormous harm to the reputation of the police (as do other things) despite the problem not being of their making.

In fairness to everyone else on this site, i'll call it quits on this subject, unless someone specifically asks me to post....i.e it is not my place to hog the subject and get repetetive and boring about it (if I haven't already).

regards, WP
Forced out of car due to insurance blunder Vol 2. - Optimist
Buy the tax..cancel the insurance, etc etc. >>


Am I getting this right, mlc? Are you saying that someone buys a new BMW M3 and pays the VED (which will come through the dealer as part of the price) and then cancels the insurance so leaving the new BMW M3 uncovered?




Forced out of car due to insurance blunder Vol 2. - NowWheels
So...you want us to stopp using ANPR and the MID. Fine when one of these
same dizzy/drunk drivers hits you (and everybody says it'll never happen to them) or one
of them nicks your car don't come on here whinging.


Westpig, don't try labelling this as a solely UKIP issue. I'm neither a member or supporter of UKIP, and I am strongly opposed to most of their core policies.

But you really seem very reluctant to understand the objections. I haven't seen anyone in this thread saying "don't use the database" ... just don't place blind faith in it.

If your ANPR and MID tools lead you to pull in a car and issue a producer, that's fine. And if the driver you have pulled in turns out to be drunk or unlicensed or engaged in crime, by all means arrest them; you'll certainly get my thanks for that. Just please don't go taking cars away from drivers who are otherwise law-abiding when your only evidence that they are uninsured is that broken database.

So, if you don't figure that there is a compromise between ignoring the database and placing blind faith in it, and you end up in trouble for not catching real hoodlums, don't come here whingeing (as you put it). This isn't an all-or-nothing situation, and I hope you won't treat it as such.

As a matter of interest, you say that your unit seizes 350 cars a month. How many of those seizures are for lack of an entry on the MID, and how many of them turn out to be database errors? (Most people don't complain to the papers, so newspaper reports are an inadequate measure).

BTW, I am presuming that you do carefully log such incidents of seizures where the car was insured, just not on the database, but maybe I'm assuming too much. Do you actually do that?
Forced out of car due to insurance blunder Vol 2. - Westpig
NW,

Possibly you've been a tad quick with your typing fingers, I think this needs to be addressed to mlc.
Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Read the previous post.

Frankly, I give up in this thread. You carry on living in your black and white world. Cars are stopped, checks are made, the database is sometimes wrong, chap goes on way! Very rarely, a mstake may be made. The sheer numbers of cars that are seized in the country each month and the lack of such stories like this, would suggest your accusation of blind faith is wrong.

Where is this blind faith, because I don't see it every day. Conscientious officers make every check they can prior to seizure. Of course, most people who have insurance aren't in the business of making cheap political points. These people tend to be the ones whose cars aren't seized.

Strange how the accusations of the man being 'dumped' on the motorway have dried up. The man himself has posted and showed this to be dross. Just as we said it was and got flamed for it.

Still, you could lend the chap a coat for when he has to survive his next blizzard! There's an election due soon, I'm sure you'll hear more from him. (I wonder if the sleet and steamy windows was the fault of the EU as well)

Forced out of car due to insurance blunder Vol 2. - Pugugly
Just to make my position very clear on this. I accept that it is an important tool, too important to dump, fallible as it is. There must be a proper and agreed way of compensating people when it goes wrong - there must be proper support as well by the Insurance industry to clarify and double check roadside checks so that incorrect data is kept to a minimum - if this means 24/7 combined call centres the so be it. Add a fiver to our policies to get it right.
Forced out of car due to insurance blunder Vol 2. - Leif
Sounds fair. And since the police are clearing the uninsured off the roads, that means less uninsured accidents, so less premium on our insurance to cover them. So maybe we don't even need to pay a fiver extra. Or maybe this is too good to be true ...
Forced out of car due to insurance blunder Vol 2. - Pugugly
I don't think so. In my leafy neck of the wood there is a lot of trade in uninsured, unlicensed and untaxed cars being seized. There has to be a way linked to names, dates of birth and addresses where it links back to insurance policy holders. If this happened to me I'd be looking to cause some major trouble for my insurer, there are breaches of Data Protection Act here as well in respect of inaccurate data causing loss. I feel a campaign coming on.
Forced out of car due to insurance blunder Vol 2. - Alby Back
Thing which bothers me is the premise that people who are later proven to be innocent should feel comfortable if appropriately compensated.

Again I stress that I'm not having a go at the officers who are using the information to the best level they can.

No, the point which needs to be more clearly understood is that while those who live on, or indeed over the line of legality are probably hardened to dealing with being under suspicion. Those who live their lives within the law can be extremely upset and worried by being falsely accused of wrongdoing.

I know that if were going about my normal business with or without my family in the car and such an event occured it would be very very upsetting.

I'm really not trying to point fingers or undermine anyone, I just want it to be understood and appreciated that being doubted by a police officer when totally innocent is a pretty scary place to be if you are not used to it.
Forced out of car due to insurance blunder Vol 2. - Blue {P}
If I pulled him over with the MID saying "NO insurance" and his answer was "sorry officer, I can't remember who my insurance company is" I would have seized his car too.

Tough, take some responsibility and remember a few simple facts about the cover which allows you to drive legally.

The mentality on this thread astounds me.

Before anyone asks, yes, if I was stopped and showed up as no insurance on the database and I was having a "moment" and had forgotten my insurance company's name then I wouldn't be complaining about my car being seized as I would make damn sure I got the fee back from the insurer as the OP has done and I would also kick myself for being so thick.

And whilst I'm on my soapbox please don't anybody say "think of the children" they were at no risk at all as the OP himself has said the police allowed them to wait in safety until the lift arrived and then let them walk the short distance up a closed sliproad to the waiting car (so that would be no more risky than a pavement then).

Forced out of car due to insurance blunder Vol 2. - the swiss tony
<< please don't anybody say "think of the children" they were at no risk at all >>

So Blue, your saying being sat in an immovable vehicle (no keys) on the hard shoulder of a motorway has 'no risk'???

FFS surely the vehicle and all occupants should have been moved off the motorway?
after all we are told to get out of a broken down vehicle and stay behind crash barriers until help arrives.
I don't know how long all this took, but ANY time sat on the hard shoulder of a motorway is too long, could not Stephens wife, been allowed to move the vehicle to a safe place?
Ah of course... she wasn't insured either was she?
OK... how about one of the police officers? seeing that there was 2 police cars in attendance, Im guessing 3 or 4 officers were there?
Forced out of car due to insurance blunder Vol 2. - Blue {P}
So Blue your saying being sat in an immovable vehicle (no keys) on the hard
shoulder of a motorway has 'no risk'???


They were parked on the sliproad hardshoulder with a Police vehicle parked behind them providing cover and more vehicles apparently at the top of the road. The Police would not sit around in a dangerous position if they didn't feel that it was necessary so therefore I think it's reasonable to assume that there was no particular danger here. However, given that it's a sliproad we can of course get away with the usual hysteria about danger and oh please think of the children...

Sorry but I get this all day in a different line of work and I'm afraid it just doesn't wash with me, I've also seen the way that the media elect to only state the "facts" that make a story seem more outrageous when the truth of the matter is far more mundane.

The situation is quite simple, the guy's story was not plausible, he was listed as uninsured and neither he, nor his wife (who was the one who had taken out the policy) could remember who their insurer was (how convienient, and of course is a line trotted out by every un-insured scrote that the officers will come across) I don't think rembering the name of your insurer qualifies as having to remember a lot in order to lend credibility to your story.

Also, can someone please tell me what an un-insured person looks like? A poster seemed to suggest earlier that it's possible to tell people who are really un-insured apart from people who are the victim of a database error, now obviously the prescence of children has nothing to do with it as we all know there are lots of people who think nothing of carrying their family whilst un-insured etc. so what exactly is it that the Police should be looking out for?

Forced out of car due to insurance blunder Vol 2. - the swiss tony
from Stephens opening post
<< It's now about 11:15am, about 6 degrees with a sharp wind under blackening skies and we are bracing ourselves against the elements as we set off in a crocodile up the outside of the slip road the 70 yards up hill to the bridge. As if on cue it starts to sleet. I suspend disbelief at the whole situation and concentrate on the childrens' safety. I try to protect them by walking behind them and the officer is in his high-vis jacket behind me - so a car has to take out us two first before it hits Josh in front of me. We are on the white line, then there is the edge of the road and then the crash barrier. It is really unnerving when you know that you are walking on the wrong side of the road, even on a one-way street, because you know that it's the wrong way round for drivers who want to pass you. Doubly so when you can't see them coming. It is busy but thankfully drivers seem to slow down a bit as they go by. We load ourselves up into Graham's car and thaw out >>

I dont feel any real need to comment on this - other than to say, Im glad it wasnt me walking up a sliproad with running traffic.......
Forced out of car due to insurance blunder Vol 2. - NowWheels
The situation is quite simple the guy's story was not plausible he was listed as
uninsured


Quite possible through database error, as the police in this thread have acknowledged.
and neither he nor his wife (who was the one who had taken out
the policy) could remember who their insurer was (how convienient and of course is a
line trotted out by every un-insured scrote that the officers will come across)


It's a common problem. A genuine explanation by an innocent person may indeed be trotted out by a guilty person, and that's why we have courts to examine the claims and allow both sides to produce evidence to back up their position. The problem in this case is that side-of-the-road summary justice doesn't give the innocent person sufficient opportunity to back up their claim before the punishment is applied.
I don't think rembering the name of your insurer qualifies as having to remember
a lot in order to lend credibility to your story.


Actually, in a lot of cases it is a lot. Several of my friends in traditional-style marriages have a gendered division of responsibility in which they have absolutely nothing to do with the running of their cars. The wheels are classed as a bloke thing so the husband organises the buying and selling, maintenance, repairs and insurance of the car, and the woman has a similar degree of responsibility for the household. Those women usually have absolutely no idea who their car is insured with, because it's an issue which only arises for them if they have an accident, and I have twice been in such a car when a minor has prompted the need for insurance details, and only a phone call to husband gets the info.

A similar situation probably applies when driving a friend's car. I have often driven cars belonging to others, based solely on their promise to me that I am covered on their insurance. Thinking back on it, the only situation where I have ever known the name of the insurance company involved was on my mother's car in Ireland, where I read it on the insurance disc. When I drove my father's car, in the days before insurance discs, I had no idea who it was insured with: I simply trusted him to have been truthful when he told me I was covered.

For other people who aren't particular into cars, insurance may just be a chore and not the sort of thing bother committing to memory. Once insurance is renewed, the docs are filed away until there's a claim or the diary flags up "renew insurance"; there's no need to memorise it.

It seems that under the new regime, people will have to adopt new practices. The trouble is that not only have people not been warned of the need to be able to prove on-the-spot that a vehicle you are driving is insured, but there isn't any clear way of establishing that proof even if you try. :(
Forced out of car due to insurance blunder Vol 2. - Blue {P}
NowWheels - you keep saying that the Police are delivering summary justice, they aren't IMO, that's for the court to do (lets not forget that seizing the vehicle is only the start of the process, it finishes in court). The reason the vehicle is seized is that the Police essentially have reason to believe that a crime is being commited and by seizing the car they prevent it from ongoing. No problem with that as far as I can see.

So, to take the gender division example, no problem, ring hubby and find out the name of the insurer. In this case the wife who sorted the insurance was there too and she also couldn't remember. Sorry but it would hardly look very good would it?

The alternative, which is to not seize anyone's car, was what we had until recently and it patently didn't work judging by the numbers of un-insured oiks driving around.

So what else would people suggest, if we can't seize cars on the off chance that the driver is innocent (and let's be fair, the chances of having your car wrongfully seized are very small indeed) and we know that issuing producers doesn't work then what do we do?

Keep it the way it is IMO, it seems to work, and if it makes a few people take a little more responsibility for rembering basic bread and butter stuff then all the better.

Forced out of car due to insurance blunder Vol 2. - PW
Reading the posts about this, I think one way of avoiding this issue is simply to know who the car is insured with.

The post claiming to be from the victim (apologies if it is, and whilst would say seems genuine there is no way of knowing), he said he could not say who he was insured with as it was done by his wife who was sat in the car, but would seem she could not remember either. From the officers point of view, I would guess this would have been very familiar territory, and would have suggested that the database was correct in flagging the car as uninsured. The post suggests the officers tried to find out who insured the vehicle, but were only supplied with the company much later in the day.

It has been stated this system is fatally flawed, with a large number of cars slipping through the net, yet in 3 years of being operational this is the first case of this type I have heard of. This would suggest to me where cars have been flagged as uninsured previously the driver has supplied the name of the insurer, and it has been resolved with a simple phone call.
Forced out of car due to insurance blunder Vol 2. - duncansand
Or rather fix the IT systems that allow 5% to slip through and enforce draconian penalties on insurers who fail to update the MID. Problem solved. People will always react if they feel there is an injustice. Best thing is to remove the injustice then there are no excuses.
Forced out of car due to insurance blunder Vol 2. - Optimist
Can the serving officers on here and other interested parties have a look at S153 of the Serious and Organised Crime and Police Act of 2005 and in particular at the section which says:

153 Disclosure of information about insurance status of vehicles

(1) The Secretary of State may by regulations make provision for and in connection with requiring MIIC to make available relevant vehicle insurance information to PITO for it to process with a view to making the processed information available for use by constables.

(2) ?Relevant vehicle insurance information? means information relating to vehicles the use of which has been (but no longer is) insured under a policy of insurance, or security in respect of third party risks, complying with the requirements of Part 6 of the Road Traffic Act 1988 (c. 52).

(MIIC is Motor Insurers Information Centre. PITO is Police Information Technology Organisation)

Is this the info that is being used in this example, ie info relating to vehicles where there "no longer is" cover?

Edited by Optimist on 11/10/2008 at 23:26

Forced out of car due to insurance blunder Vol 2. - NowWheels
Sorry for the confusion in my earlier post; I was indeed responding to MLC, not Westpig.
Frankly, I give up in this thread. You carry on living in your black and white world.
Cars are stopped, checks are made, the database is sometimes wrong, chap goes on way!
Very rarely, a mistake may be made.


Me in a b&w world???? MLC, the point that I and others have repeatedly made is that a check on the database does not produce not a black-and-white result.

You say that "Very rarely, a mistake may be made". So how rare is it? How many such seizures on your patch turn out to be wrong? And what do you do to compensate those whose vehicles were wrongly seized?
Strange how the accusations of the man being 'dumped' on the motorway have dried up.
The man himself has posted and showed this to be dross.


If that's how you characterise these events, then I really hope that if I ever end up in court, I don't have you giving evidence against me! Please re-read Stephen's post, at the top of his page.

"Dumped" is probably not the best word, but then again it's only been used by you or in replies to your use of it, so that's a straw man charge. (Exaggerate the your account of the complaint, then dismiss it because of your own exaggeration).

Stephen's account is that he and his family had to leave the car. The traffic was stopped so that they could cross the slip road, and they then had to walk up the slip road between the crash barrier and the passing traffic, in the sleet. There were several police vehicles involved, but apparently none of them could even mange to give a lift up the sliproad for the baby and associated clobber?

Earlier, in the thread you wrote "I'm surprised considering we apparently make them all walk off the motorway alone..carrying their newborn in swaddling clothes." Yet now we have Stephen's account that although they weren't alone, they did walk off the motorway with a baby, and you still dismiss it all as dross.

In an earlier post you wrote "Photocopies..can be doctored. Original copies...obtained by taking out insurance policy then cancelling." So, in your book there is nothing that an insured driver can at the side of the road do to prove that they are actually insured unless they happen to be lucky enough to remember their insurance details and to be stopped at a time when those details can be checked by phone (assuming that the officer is willing to make he call and the insurer is willing to discuss the matter).

I have checked all your 16 comments in this thread, and I can find in them not the slightest shred of sympathy for Stephen and his family ... just a sneering comment that "you could lend the chap a coat for when he has to survive his next blizzard!", and further jibes because (like me) you don't share his politics.

The man has done absolutely nothing wrong except complain publicly about how he and his family were treated, as he is fully entitled to do in any free society. Even if you reckon that the officers involved were fully justified in their actions, can't you at least empathise enough with him express some sympathy for what he's been through?

You guys do an important job, and we all rely on you ... and one of things that we need for you do your job effectively is for you guys to retain public confidence, to help us believe that you are on our side and not just out to trip us up. When you sneer at the victims of a heavy-handed bureaucratic foul-up, is it any wonder that police have a bad name in some quarters? :( :(
Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Nowheels..as I've already stated, I'm thoroughly bored with this whole thread.

We'll just have to agree to disagree. 14 years of seeing non-events turned into crusades by the press and members of the public looking for an easy buck (or an easy 5000 bucks). So excuse me if I sound cynical, that's because I am! (Cue disgrace to the Police/wouldn't want to meet you on the road etc etc)

Now if you've got any questions about Ford Fiesta's, I'll be happy to answer them!

Forced out of car due to insurance blunder Vol 2. - Alyn Beattie
Midlife

How does the database cope with self insured fleet vehicles?
Forced out of car due to insurance blunder Vol 2. - Optimist
And can you answer the question I put above:

Are the police using a database specifically supplied by the insurance industry of UNINSURED cars which were once insured or of ALL cars which is said to be only 95% accurate and can be accessed by any one of us? Do you know?

I've been following threads on this forum for months, now, and I notice that mlc has a very low level of tolerance if disagreed with. It's very much a case of "I know what I'm talking about. You don't."

OK. Do you know the answer to my question? I'm quoting directly from the statute that enables the seizures. If you rely on it, you should know what it means and how it works, shouldn't you?

Just for the record: I'm sure policing is a difficult job but I don't think the police, any more than anyone else, are always right.

Edited by Optimist on 12/10/2008 at 12:45

Forced out of car due to insurance blunder Vol 2. - NowWheels
I have been doing some reading of the law involved. I am not a lawyer, but am reasonably practised in finding relevant bits of legislation; experience has taught me that there are often complex issues of interpretation lurking even in apparently simple legislation, so I don't claim to have got the full picture. Here's what I have found:

Use of the Motor Insurance Database (MID)
The regulations authorising use of the Motor Insurance Database (MID) appear to be The Disclosure of Vehicle Insurance Information Regulation 2005 (SI No. 2833 of 2005), online at www.opsi.gov.uk/si/si2005/uksi_20052833_en.pdf

Section 4(4) of the regulations say that: "A constable may use the processed information referred to in paragraph (1) or the further processed information referred to in paragraph (2) to determine whether to use his powers under section 165 of the 1988 Act to require a person to produce evidence that a motor vehicle is not or was not being driven in contravention of Part VI of the 1988 Act."

The non-binding guidance notes say that the MID data may be processed by PITO to make it accessible to officers, and that "A constable may use the processed information provided by PITO to assist him in deciding whether to use his powers under section 165 of the 1988 Act to require a person who is, or may have been, driving a vehicle to produce evidence that use of the vehicle is insured."

Interesting wording. The interpretation issues here are probably beyond my league, but it appears to me that the MID's legally-permitted purpose may be somewhat narrower than we have been led to believe, and it's only function is to trigger further enquiries.

Power to seize vehicles
The power to seize was conferred by section 152 of Serious Organised Crime and Police Act 2005 (known as SOCPA, see text of the Act at tinyurl.com/4wakgj ). SOCPA created a new section 165A of the Road traffic Act 1988 (see unamended 1988 Act at tinyurl.com/3vvjrm ), which gives officers a power to seize a vehicle in certain conditions. The condition relating to insurance is 165A(3):

(3) The second condition is that?
(a) a constable in uniform requires, under section 165, a person to produce evidence that a motor vehicle is not or was not being driven in contravention of section 143,
(b) the person fails to produce such evidence, and
(c) the constable has reasonable grounds for believing that the vehicle is or was being so driven.

(Section 143 of the 1988 is the bit that requires a person to be insured to drive the car: see tinyurl.com/4tgrru )

Summary of the law
If this summary is wrong, I'll be happy to be corrected ... but it appears to me that the outline of the law is quite simple:

* Parliament has created a range of grounds allowing cars to be seized on the basis of "reasonable suspicion" by a police constable, and one of those grounds is reasonable suspicion of driving uninsured. (Law: RTA1988 section 165A(3) gives the power to seize if the officer has "reasonable grounds for believing" that the car is being driven uninsured)
*A police constable may use the MID to help make a decision as to seek more evidence of insurance. (SI No. 2833 of 2005 allows the officer concerned to use data derived from the MID "to assist him in deciding whether to use his powers" to seek evidence)

(I hope that those two points are a neutral summary)

Interpretation
So far as I can see, Westpig and MLC are right on one point: that if we don't want police to have powers to seize merely because of "reasonable suspicion", then we need to persuade parliament to repeal the clauses or overturn this in the courts. The bottom line is that if the law allows vehicles to be seized because of "reasonable suspicion", then it has set a lower standard of proof than the "beyond reasonable doubt" threshold for criminal prosecution.

However, the rest of it seems less clear.

Most of this seems amounts to a question of what can be construed as "reasonable suspicion", and on that point I'm sure that there is lots of case law elsewhere. But there is a further question as to the extent to which the law allows the MID to be part of the evidence sought: it seems to me that the regs could be read as restricting the role of the MID to being merely a trigger for further enquiries, rather than using MID data as grounds for "reasonable suspicion". But I am not a lawyer :)

The problem with all this lack of clarity is that it leaves a law-abiding, insured driver unclear of what to do to avoid "reasonable suspicion".

Should we check that our car insurance is recorded on www.askmid.com ? Sounds like a good idea, but the DVLA doesn't give such advice. If we do check, how often should we check, and how can the MID be checked by someone without web access?

Should we carry the insurance policy document with us at all times when driving the car? Should we ensure that anyone else driving car has the insurance policy in their paw? That may help offset any police suspicions, but it also risks the loss of a valuable document. I don't want to keep my insurance policy in the car in case the car is stolen.

Many more questions, but the problem is that despite these draconian new police powers of seizure, neither the DVLA nor DfT nor any police force appear to give any guidance to drivers on what to do.

Edited by Webmaster on 13/10/2008 at 01:05

Forced out of car due to insurance blunder Vol 2. - Pugugly
e-mail them to me and I'll edit them in for you.

Edited by Pugugly on 12/10/2008 at 19:25

Forced out of car due to insurance blunder Vol 2. - welshlad
i want to play devils advocate here, it seems that to many people these days seem to forget that even with an insurers database in place all drivers are LEGALLY obliged to carry the appropriate documents with them whilst in charge of a motor vehicle the database is not water tight proof of insurance it is merely a tool to be used and not to be relied upon as difinitive proof either way.

the OP would have been on his way in minetes had he been in possession of the correct documentation regardless of what the database said.

Forced out of car due to insurance blunder Vol 2. - NowWheels
all drivers are LEGALLY obliged to carry the appropriate documents with them whilst in charge of a motor vehicle


I was not aware of that. If you aren't just making this up, please specify which law you are referring to.
the OP would have been on his way in minetes had he been in possession of the correct documentation regardless of what the database said.


Not necessarily so. Midlifecrisis, a serving traffic cop, has stated in this thread that documents can be faked or policies cancelled after the certificate has been issued.

If Stephen had been stopped by MLC, then even having his insurance certficate might not have helped him keep his car.

Edited by NowWheels on 12/10/2008 at 18:26

Forced out of car due to insurance blunder Vol 2. - Armitage Shanks {p}
You certainly are not required to carry your driving licence and if there was a LEGAL requirement to carry all the others Gormless Gordon would have brought in a law that you were given a £60 on the spot fine together with the 'Producer' to show up within 5 days at a Police Station with them in your hand. If you were required to carry them producers wouldn't really exist.
Forced out of car due to insurance blunder Vol 2. - drbe
You certainly are not required to carry your driving licence

>>

My understanding is that you ARE required to carry documents with you, BUT there is an absolute defence (or phrase similar) if the documents are produced at a police station within 7 days.

Hair splitting? Possibly.
Forced out of car due to insurance blunder Vol 2. - Blue {P}
If Stephen had been stopped by MLC then even having his insurance certficate might not
have helped him keep his car.>>


I think you're stretching things a little there, if he'd had that then he would have known who his insurer was, the Police would have rang them and confirmed it was covered and he'd have been on his way.

The reason the car was seized imo is because the officer didn't believe his wishy washy "I can't remember who my insurers are because my wife did it, oh, and she can't remember either" story. Which will be something that he has already heard from 100 guilty people who ended up getting prosecuted, many of whom will have been driving their kids about.

Forced out of car due to insurance blunder Vol 2. - NowWheels
I think you're stretching things a little there if he'd had that then he would
have known who his insurer was the Police would have rang them and confirmed it
was covered and he'd have been on his way.


Stephen's account is that he was explicitly told later on that nothing except the policy docs would suffice, and that a police phone call to insurer would not get his car back.
The reason the car was seized imo is because the officer didn't believe his wishy
washy "I can't remember who my insurers are because my wife did it oh and
she can't remember either" story. Which will be something that he has already heard from
100 guilty people who ended up getting prosecuted


I for one would have little objection if Stephen had been prosecuted. When the summons arrived, he could simply has submitted insurance documents to the court, and that'd be end of it: case thrown out.

But the problem in this case was that he was not prosecuted, he was subjected to summary justice. Instead of issuing a producer or a summons so that he could have defended himself through due process, his car was taken off him, and he had to pay hundreds to get it back, even though by the time the vehicle was released he had proven that he did have insurance at all relevant points.

It would be interesting to see what would have happened if he had refused to pay the return fee, and instead sued the police for extorting money from him. The DVLA website is unambiguous in its guidance that "For private individuals it?s the responsibility of the insurance provider to get details of a policy or changes on MID within seven days of the effective date" (see tinyurl.com/5vuwy7 ), and if the DVLA is right that it's the insurer rather than the insured person who bears responsibility, the police should recover their costs from the insurer rather than holding the vehicle ransom to a payment from the innocent party.

In this case, Stephen's insurer offered to reimburse his costs, but what if he was one of the many people who couldn't readily find the £500 to get his car back even though he had produced the insurance documents? Would the police still have disposed of the car as if he was one of the uninsured?
Forced out of car due to insurance blunder Vol 2. - Old Navy
Our Police BRs have already said how easy it is to forge documents or insure, get documents and cancel. They have to make tough decisions, and being human occaisionally get it wrong.
Forced out of car due to insurance blunder Vol 2. - welshlad
Under the Road Traffic Act an officer may stop any vehicle being driven on a road. This may result in different procedures, for example the requirement to produce documents such as a driving licence, insurance details etc. Under this Act the vehicle may also be examined for road-worthiness

maybe 'legally' was the wrong word but there is an expectation of compliance
Forced out of car due to insurance blunder Vol 2. - NowWheels
maybe 'legally' was the wrong word but there is an expectation of compliance


Mercifully, we live in a country where the police's "expectation of compliance" is not the same thing as a legal requirement, except in certain defined situations.

So far as I know the "requirement to produce documents" to which you refer exists only as a requirement to produce them at a police station within 7 days if given a notice requiring you to do so.
Forced out of car due to insurance blunder Vol 2. - NowWheels
e-mail them to me and I'll edit them in for you.

Thanks v much, PU. Email sent
Forced out of car due to insurance blunder Vol 2. - welshlad
ok time for me to fess up and be a man about this I WAS WRONG about a legal requirement i was getting things messed up, there is a legal requirement to produce your documents when asked to do so by a uniformed police officer and a producer can be given if you dont do this, BUT if the police officer thinks that the vehicle is being driven without insurance (reasonable suspicion) and in this case the OP not being able to name his insurance company and the database saying he had no insurance i personally believe the police officers has valid rights to seize the vehicle under section 165(a) of the road traffic act 1988.

so really even though its not illegal not to carry your docs it still makes sense to do so and in this case i dont think the OP was at all unfairly treated
Forced out of car due to insurance blunder Vol 2. - Fullchat
There is a requirement to produce your documents when requested by a Police Officer. Failure to do so is an offence. That offence is committed there and then.

However!!!

(4) A person shall not be convicted of an offence under subsection (1) above by reason only of failure to produce any certificate or other evidence to a constable if in proceedings against him for the offence he shows that?

(a) within seven days after the date on which the production of the certificate or other evidence was required it was produced at a police station that was specified by him at the time when its production was required, or

(b) it was produced there as soon as was reasonably practicable, or

(c) it was not reasonably practicable for it to be produced there before the day on which the proceedings were commenced

The above relates to Insurance and Test Certificates but Driving Licences and Registration Documents have the same provisions.

The HO/RT1 (Producer) is not an official document it is just to assist in the administration of the production process.
Forced out of car due to insurance blunder Vol 2. - Pugugly
Do you issue many of them these days ?
Forced out of car due to insurance blunder Vol 2. - Westpig
in the old days Form HO/RT1 (producer) was dished out far more than nowadays.

Some years back, there was a 'diktat' that they would not be processed by admin units unless they were for a specific reason e.g. accompanied by an accident book or traffic offence report book... so the issuing of the things because an officer thought someone might not have insurance has virtually ceased..and surprise, surprise nowadays there are near record numbers of people with no insurance... that was a good 15 years ago, plus.

i think it was done because admin units didn't want to spend so much time chasing them up and wanted to concentrate on crime admin
Forced out of car due to insurance blunder Vol 2. - Pugugly
Most of the details that you need are on PNC though aren't they ?
Forced out of car due to insurance blunder Vol 2. - Westpig
nowadays yes...and with Mobile Data Terminals you can check yourself instead of having to call a control room on the radio...but for a good 10 years there was a big void
Forced out of car due to insurance blunder Vol 2. - Fullchat
Only for Insurance when it cannot be validated. Oh my *** what have I just said ;-0

For those with mobile data its a breeze. For those without its a radio check with an operator. At busy times sometimes its easier to dish out an HORT to avoid unnecessarily delaying the driver; unless of course they are prepared to wait.

Now I wonder whether our £5.5 M in the Icelandic bank account was our mobile data fund?
Forced out of car due to insurance blunder Vol 2. - welshlad
Now I wonder whether our £5.5 M in the Icelandic bank account was our mobile
data fund?

>>
nah that was your pension
Forced out of car due to insurance blunder Vol 2. - PW
Hypothetically, let's say there is now a procedural review, and it is decided to go back to producers where drivers cannot prove beyond reasonable doubt they are insured.

Police stop a car flagged as uninsured, but the driver (or passengers including the person who took out the policy) cannot say who the insurer is.

Guidelines now state car cannot be seized as status is unproven and must assume driver is honest and innocent. Car later turns out to be uninsured, then causes an accident and huge carnage.

Where would the posters opposed to the current system stand? Would they all be applauding the Police for not using these draconian powers to hold the car 'to ransom'? Or would there be a general baying for blood asking how the Police could allow these drivers to be on the road, with just a producer?

Personally I don't believe the Police seize these cars so they can be thankful all cars are insured when they attend accidents. I do however believe it is more the case they, and everyone else involved is hoping none of the cars involved are uninsured.
Forced out of car due to insurance blunder Vol 2. - NowWheels
Guidelines now state car cannot be seized as status is unproven and must assume driver
is honest and innocent. Car later turns out to be uninsured, then causes an accident and huge carnage.


My preferred solution would be to issue a producer provided that that driver can be positively identified, and that the officer is satisfied that he can be apprehended later if the car does turn out to be uninsured. Seizure should be reserved for cases where there is a high degree of certainty that the car is uninsured, or where the driver cannot be identified as someone who can be nicked later if required.

So don't ditch these draconian powers, just use them as a last resort ... and if they turn out to have been used in error, the police should promptly apologise, return the car to the driver and compensate them to ensure that they are not out of pocket. It's a disgrace that the current system requires the innocent to pay for police mistakes, and if the police want to blame the insurers for a database failure, they should argue it out with the insurer rather than with the innocent party.

The accident scenario is just an an emotive red herring: being uninsured neither causes accidents nor increases the level of carnage, it just affects compensation. I don't want law-abiding drivers to cover the costs of the uninsured, but insurance doesn't fix broken limbs or bring back the dead.
Forced out of car due to insurance blunder Vol 2. - PW
To a certain degree I agree with you on this. If the Police are the ones who took the money from the driver, then yes they should return the money, and bill the insurer for any costs incurred through their error.

Can anyone confirm if the insurer would then pursue the Police to recoup the costs returned to the driver? If the Police are keeping the money, then this the costs incurred will only be passed back to the driver.

Where I work our bonus system is tailored so that corrective work is correctly not included- and has a much greater impact on quality awareness (incidentally 95% accuracy would not be tolerated- has to 100% all the time).
Forced out of car due to insurance blunder Vol 2. - midlifecrisis
To a certain degree I agree with you on this. If the Police are the
ones who took the money from the driver then yes they should return the money
and bill the insurer for any costs incurred through their error.


Police don't collect the money..keep it..make a profit from it. It's paid directly to the recovery agent.

Sometimes People don't pay and the recovery yard loses out. It's the chance they take when they apply to be on the scheme.

(Can't believe that I've just been responsible for keeping this thread running..still, some posters will have nothing else to do if it ends ;) )
Forced out of car due to insurance blunder Vol 2. - NowWheels
Police don't collect the money..keep it..make a profit from it. It's paid directly to the
recovery agent.
Sometimes People don't pay and the recovery yard loses out. It's the chance they take
when they apply to be on the scheme.


It doesn't surprise me that the police have contracted out the service, but that doesn't alter the fact that the service was engaged by the police rather the person whose car was towed.

If the car is seized due a police mistake (whatever the cause of that mistake), then it's the responsibility of the police to foot the bill rather than leave it to be paid by the victim.

AFAIK, this already applies in other cases. If the police break down my front door in their hunt for some hoodlum and it turns out that a computer error sent them here instead of somewhere else, they'll pay to have it reinstated. Why not do the same if they seize my car because they relied on a computer which turned out to be wrong?
Forced out of car due to insurance blunder Vol 2. - Mapmaker
being uninsured neither causes accidents nor increases the level of carnage, it just affects compensation.


It doesn't even do that, does it? Isn't there some central fund?
Forced out of car due to insurance blunder Vol 2. - NowWheels
>> being uninsured neither causes accidents nor increases the level of carnage it just affects
>> compensation.
It doesn't even do that does it? Isn't there some central fund?


Mappie, you're right. I should have written something like "it affects who pays the compensation". The central fund is of course paid for by insurers, who get their funds from those who do insure their cars, so we are picking up the bills for the uninsured.
Forced out of car due to insurance blunder Vol 2. - jbif
My preferred solution would be to issue a producer provided that that driver can be positively identified,


If I was a BiB with discretion to use my own mind, rather be required to follow "guidelines" as if they were tablets of stone, I might approach it as follows:
Computer says "NO" insurance. Stop the car, check driver Driving Licence, MOT, cursory look to check if car appears well maintained/roadworthy. If all OK, then allow driver to explain why computer says NO. Form an opinion of whether in light of answers/story given, decide whether driver is likely to be telling porkies.

Make judgement call on whether to give producer or take car off the road there and then.

Commonsense as per Fullchat's link, not the Little Britain "Computer says NO" approach.

Forced out of car due to insurance blunder Vol 2. - midlifecrisis
"Form an opinion of whether in light of answers/story given, decide whether driver is likely to be telling porkies."

And if you're opinions wrong?? Just hope they're not carrying children or are members of UKIP. NowWheels will have her henchmen after you :)

Edited by Pugugly on 13/10/2008 at 18:41

Forced out of car due to insurance blunder Vol 2. - NowWheels
And if you're opinions wrong?? Just hope they're not carrying children or are members of
UKIP. NowWheels will have her henchmen after you :)


Her henchwomen, probably. :)

Though we might turn a blind eye if it's a member of UKIP who's been nicked ... at least until UKIP is prepared to have men clean behind their own fridges: news.bbc.co.uk/1/hi/uk_politics/3912205.stm
Forced out of car due to insurance blunder Vol 2. - jbif
Just hope they're not carrying children or are members of UKIP.


Membership of UKIP has nothing whatsoever to do with this thread. The only reaon it has become relevant is that maybe a person who has the initiative to join such an organisation is also one who is unlikely to let instances of abuses of power go by without questioning them.

In the case in question, if ticked all the boxes for ID/driving-licence, MOT, VED, well maintained car, then I would have jsudged his story to be extremely believable.

The presence of his wife and children would have counted towards handing a producer.

Commonsense. As Fullchat laments, it seems to be all to lacking.

Guidelines are guidelines.
To be applied within reason by a resonable human being, not by an automaton who is the caricature featured in Little Britain's "Computer says NO". Otherwise we are living in a Stasi Police State.

Forced out of car due to insurance blunder Vol 2. - Blue {P}
But that's still not really enough evidence though is it? There are plenty of MOT'd and well maintained cars driving around with no insurance. By those tests the driver of the Mercedes SL that I saw seized on Road Wars would have driven off when in fact the car was un-insured. If the driver in that case had named an insurer then of course the situation would have been avoided.

For me I'm afraid the forgetfulness re the insurance company name would have tipped me towards seizure every time. Obviously some people have lower standards than I do :)

Forced out of car due to insurance blunder Vol 2. - NowWheels
For me I'm afraid the forgetfulness re the insurance company name would have tipped me
towards seizure every time. Obviously some people have lower standards than I do :)


Can't speak for others, but my problem is that I have higher standards: I don't think people should have their car removed just 'cos they don't remember who it's insured with.

It should have been fairly easy to establish on-the-spot that the car was taxed and MOTed, and registered to the driver or his wife. There'd have beeen plenty of time to seize the car later if the driver hadn't produced the insurance docs with 7 days.

From the police repies on this thread, it seem sthat the reason the police resort so rapidly to seizure is that their admin staff don't like chasing up producers, but seizures are handled by a bounty-hunting private company which makes its money out of he seizures. It's another revenue-raising approach to policing, except that in this case the revenue apparently goes not to the police but to a private company.
Forced out of car due to insurance blunder Vol 2. - PW
Sadly though for every genuine driver who simply cannot recall who they're insured with the Police deal with thousands who trot out the same line in the vain attempt to get away with a producer.

To quote from the OP on this thread

Some gorey details for you to chew on:-

Yes, the officer did ask me who I was insured with. In fact that was the second thing that he asked me after asking if I was the owner of the vehicle. It seems, from an entry on another forum by a policeman, that this is what the experienced ones have learned to do to try and cross-check the info from the ANPR. Truth is that I couldn't remember on them spot,

So, it would seem the officers did make a concerted effort to resolve this without resorting to seizing the car. The only other option would have been to take the OP at face value and call every insurance company. Daily experience may well have hardened their attitude, no matter how honest or genuine this situation may have appeared.

The onus really needs to be on improving the MID and simply not tolerating it. One solution could be motorists receiving 2-3 months free cover if is found the car is not added within 24 hours. Would guess a hit on revenue would spur the insurers into action.
Forced out of car due to insurance blunder Vol 2. - NowWheels
So it would seem the officers did make a concerted effort to resolve this without
resorting to seizing the car. The only other option would have been to take the
OP at face value and call every insurance company.


Not so, because the question did not have to be resolved on-the-spot. The commonsense option was to establish whether the driver or his spouse was the registered owner of the vehicle, and issue a producer.
Forced out of car due to insurance blunder Vol 2. - Blue {P}
NowWheels - you're right that this would have been a legal recourse for the Police, but it's hardly very effective is it? If they have no insurance they simply don't produce it and can carry on driving for ages before they will get caught.

This way they are off the road immediately. Judging by the huge successes I still think that I'd rather they were as pro-active as they are rather than relying on an archaic producer system that has never been very successful.

I think we'll have to agree to disagree :)

Forced out of car due to insurance blunder Vol 2. - NowWheels
NowWheels - you're right that this would have been a legal recourse for the Police
but it's hardly very effective is it? If they have no insurance they simply don't
produce it and can carry on driving for ages before they will get caught.


Nope, it can work perfectly well. They have seven days to produce the insurance, and if they haven't done it by then the registration is flagged on the police computer and the car does get seized. It'll be spotted quickly enough by the ANPR cameras which bristle all over thre roads.
This way they are off the road immediately. Judging by the huge successes I still
think that I'd rather they were as pro-active as they are rather than relying on
an archaic producer system that has never been very successful.


Read what the traffic cops themselves say: the producer system has been unsuccessful because police admin staff have chosen not to bother using it. When combined with the ANPR system which caight the uninsured car in the first place, there's no reason at all why it can't work ... except that police having been given a draconian power that they can use without financial penalty have no incentive to show restraint.
I think we'll have to agree to disagree :)


Don't expect any sympathy if your car gets seized :)
Forced out of car due to insurance blunder Vol 2. - Blue {P}
Whilst I would happily share the tale if it did get seized I certainly wouldn't be looking for sympathy after my arguments :)

Forced out of car due to insurance blunder Vol 2. - R75
Whilst I would happily share the tale if it did get seized I certainly wouldn't
be looking for sympathy after my arguments :)


How about putting it another way then.

You get stopped as your insurer has not put the details on the database. But you have your insurance certificate with you. Which do you think the Police will believe? I bet you £100 it wont be the bit of paper you have on you.

So they then take it a step further and call the insurance company, it's a Sunday and they are having computer maintenance so can't access the system, but the telephone CS agent says their records are almost always 100% accurate.

End result, your car gets seized, your left to sort out 2 other peoples laziness!!!!

I hope it never happens to you!!
Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Nope it can work perfectly well. They have seven days to produce the insurance and
if they haven't done it by then the registration is flagged on the police computer
and the car does get seized. It'll be spotted quickly enough by the ANPR cameras
which bristle all over thre roads.



So car is caught again by ANPR camera and stopped.

Driver " Sorry Guv..I was stopped a week ago but have got it insured now. Learnt my lesson. I only insured it yesterday and it's not showing up yet. Can't remember who I insured it with..been busy"

Not as simple as it sounds is it!
Forced out of car due to insurance blunder Vol 2. - jbif
Can't remember who I insured it with..been busy" Not as simple as it sounds is it!


The only conclusion I can draw from your posts is that your judgement is now seriously inpaired due to the number of crooks you come in to contact with in your profession.

In the bad old days, the Police had no way of telling if any car on the road was insured or not, and if for some suspicious reason the driver was stopped, he/she would given a producer.

Now with the MID database, some Police such as MLC seem to regard it as an infallible tool and seem to have lost all commonsense just because there are some untrustworthy people out there. You do not even trust a paper certificate as proof any more. you seem instead to have a blind faith in a flawed database, which as anyone who knows anything about databses will tell you, can never be 100% reliable. Computers are only as accurate as the dumb people who use them, including some [not all] daft Police who seem to think these things are infallible.

The MID database should be used as a tool that gives you reason to stop a car and make further enquiries. What it does is that if you pass 100% cars in a day and 5% are flagged up as uninsured, the Police should think "this car requires further investigation, it may be uninsured or it may be a databasee error. Let us see if driver has some some 'previous' or other 'suspicious' circumstances about him to merit further action. Otherwise give him a producer, and if he is genuine he will have a chance to get his Insurer to correct the MID databse. If he is lying, the failure to respond to the producer will sort that out."

p.s. Some daft people do not know that if you alter records/files on a computer, the changes can be tracked and discovered. Tony Blair's WMD dodgy dossier, and Andrew Gilligan's notes of meeting with Dr. Kelly were all found to have been "altered". This led to Microsoft issuing a special tool to allow such tracks to be erased. However, yesterday a Met Officer giving evidence in the Menezes inquest has been found out to have altered some computer notes! Computers, who can trust them?

Forced out of car due to insurance blunder Vol 2. - NowWheels
The MID database should be used as a tool that gives you reason to stop
a car and make further enquiries.


If you look at the relevant legislation which I posted above (see www.honestjohn.co.uk/forum/post/index.htm?t=68037&...e ), that is all the only legally-authorised purpose of the Motor Insurance Database.

Section 4(4) of the regulations say that: "A constable may use the processed information referred to in paragraph (1) or the further processed information referred to in paragraph (2) to determine whether to use his powers under section 165 of the 1988 Act to require a person to produce evidence that a motor vehicle is not or was not being driven in contravention of Part VI of the 1988 Act."

Any officer stoopid enough to rely on the database rather than on other evidence may find himself facing a legal challenge for unlawful seizure of the vehicle.
Forced out of car due to insurance blunder Vol 2. - jbif
Any officer stoopid enough to rely on the database rather than on other evidence


NW - I agree fully with all your comments in this thread.

Forced out of car due to insurance blunder Vol 2. - Westpig
seem to regard it as an infallible tool and seem to have lost all commonsense just because there are some untrustworthy people out there. You do not even trust a paper certificate as proof any more. you seem instead to have a blind faith in a flawed database which as anyone who knows anything about databses will tell you can never be 100% reliable. Computers are only as accurate as the dumb people who use them including some [not all] daft Police who seem to think these things are infallible.


NW, I'm beginning to think you are deliberately baiting this for a response, i believe the terminology is a troll.

Has it occurred to you, that maybe a huge number of people using this database KNOW it has flaws, but like they do in a number of other ways with other legislation or guidelines, 'just get on with it', flaws or not, working on the basis that the good it does outweighs the bad..in this case an enormous amount of good versus some high profile boo-boos where it has gone wrong. With a wife in the teaching profession and a close family member as a GP, i'm aware it is the same in their professions as well..i.e. we don't live in that dream world where everything is 100% correct, back in the real world many, many people have to do their best with what they've got and trying to change things for the better is like swimming in quick sand.

Terminology like 'infallible tool', 'blind faith' and 'dumb people' is presumptious, rude and ignorant. A number of people inc myself have, at great length, tried to explain the intracies.

The current law is a damned good tool to prevent people driving around with no insurance. In some respects it is the best bit of legislation for years to directly benefit the street cop..but as discussed, there are flaws that need ironing out. Ultimately as our legislators have provided it, it works very well in most respects, there are guidelines to junior officers try to iron out difficulties and these are closely managed by police managers and the legislation directly, mostly, hurts people with no inclination to purchase insurance, then it is used by the police..and i'm glad of that
The MID database should be used as a tool that gives you reason to stop
a car and make further enquiries. What it does is that if you pass 100%
cars in a day and 5% are flagged up as uninsured the Police should think
"this car requires further investigation it may be uninsured or it may be a databasee
error.


that is what goes on now... day in day out
Otherwise give him a producer and if he is genuine he will have a chance to get his Insurer to correct the MID databse. If he is lying the failure to respond to the producer will sort that out."

How?..... When my lot parade for work and are apprised of what has been going on and briefed who is wanted, what arrest enquiries are needed that shift, what crime priority patrols there are, any vulnerable victims of crime aqnd the plethora of other things required of them etc, etc...and then deal with the calls that come in for the day they struggle to achieve that work quota and more often than not stuff gets left behind. It is frightening the callls via 999 or less urgent ones that are not even responded to, let alone dealt with days later..many police areas near me have a 50% or so success? rate for achieving 'I' (Immediate) calls within 12 miniutes, which is dreadful...who is going to do these follow up 'no insurance' enquiries? Traffic officer posts have been slashed, some CID officers have more than 40 crimes sat on their desks... When you stop someone for no insurance, it's deal then or not deal at all.

I'd agree in an ideal world it wouldn't be like it...but back with reality, it is. It is total 100% pie in the sky to expect a producer to be issued and then follow up enqs after 7 days...it will not, can not happen with present resources.

I find it amazing how armchair experts presume to know how to deal with these things, yet with other professions you wouldn't begin to bother.
Forced out of car due to insurance blunder Vol 2. - Optimist
Oh, come on.

One of the pleasures of joining in a forum is being an armchair expert. And I'm sure everyone has criticised the medical, teaching, public sector professions from time to time; the public sector in general often gets a kicking on here.

The law may be ok. The tool - the database - is not. And the argument that the good outweighing the bad justifies the bad is very dodgy indeed, I think. Why not calibrate speed cams to 95% accuracy and say that's ok, too?

Is it really resources or is it use of resource time that's the problem? Why can't one of the numerous support people follow up on producers?

Forced out of car due to insurance blunder Vol 2. - Westpig
Why can't one of the numerous support people follow up on producers?

concentrating on crime case papers, PCSO's not qualified and wanted for patrol on the streets, employed to do specific work unrelated to investigative working with public role......not my area of expertise, so only informed opinion

would please me greatly if there were people allocated to such a task
Forced out of car due to insurance blunder Vol 2. - jbif
NW, I'm beginning to think you are deliberately baiting this for a response

You mean me, and no I am not baiting anyone.
it's deal then or not deal at all.

Fair enough, make a decision on how trustworthy the driver is based on his compliance with other matters [MOT, VED, well maintained car, etc.] and let them go if you do NOT have the necessary resources to do a proper job.
I find it amazing how armchair experts presume to know how to deal with these things, yet with other professions you wouldn't begin to bother.


I certainly hope that the case in question will lead to re-examination of the way in which the Police are currently defending their actions in this particular case, and how they handle future MIB database false-positives. The presumption on each and every occasion must be that the MIB database is wrong when out of every 100 cars you pass, 5 are shown as being without insurance [due to the inherent errors in the MIB data].

As NW has pointed out, the database is a starting point for further enquiries to be made, not the end. That is how the law was drafted but is being misapplied but the BiBs at the coalface seem to be rigidly misapplying it.

Unfortunately not uncommon in the UK today, as I find it in many other walks of life where a blanket pat answer is given by the "customer-facing" staff who have
either not been trained properly,
and/or had the opportunity to be made fully conversant with the intricate details of the matter they are dealing with
and/or do not have the discretion to apply commonsense
and/or do not have the mental capacity to do any of the above.

Forced out of car due to insurance blunder Vol 2. - Westpig
apologies to NW...(although it makes us even now)..:-)

>>and let them go if you do NOT have the necessary resources to do a proper job.

that is not what the legislators have asked us to do, is it. They've given us a package, it works pretty well most of the time, but has some flaws. We get on with it and try our best, in difficult circs to make it work. Not our place to ignore it...particularly as mostly it's working


>>The presumption on each and every occasion must be that the MIB database is wrong when out of every 100 cars you pass 5 are shown as being without insurance [due to the inherent errors in the MIB data].

If you did that the law would be unworkable. What about other indices...shall we ignore the PNC (Police National Computer), that must have errors some times. Or do we get on with it as best we can, using a number of lines of enquiry..and if still in doubt seize the car, as govt has enacted.

Look at it another way. To arrest someone for an offence a Constable only has to have 'reasonable suspicion' of a relevant offence. They don't go around dragging in everyone they fancy, but there are people on occasions that are arrested, who susbesequently are proven to be wholly innocent. They are dusted down, apologised to if it is appropriate (some don't help themselves in the slightest and could avoid it)...would you propose a ban of the power of arrest generally unless the power was used 100% correctly, with the benefit of that lovely thing we all wish we could have earlier..hindsight?

No. You'd ensure there were decent guidelines, tighten up the law if you need to, make sure staff are reasonably or well trained, well managed and remind them of their responsibilities, in particualr with maintaining public confidence.

In the case of no insurance seizures, there are decent guidelines, the law does need tightening, staff have been trained, they are closely managed (some think too closely) and nowadays the Old Bill are constantly reminded of their responsibilities to the public

Forced out of car due to insurance blunder Vol 2. - R75
Look at it another way. To arrest someone for an offence a Constable only has
to have 'reasonable suspicion' of a relevant offence. They don't go around dragging in everyone
they fancy but there are people on occasions that are arrested who susbesequently are proven
to be wholly innocent.


I believe it still to be the case that a person can resist a wrongful arrest, so if you know your car is insured yet you are arrested you can legally resist that arrest!! Can't wait for the first case like that to happen.

And I have a better knowledge then you realise of the Police Force, both my sister and BIL are in the force, maybe thats why I am so anti the databases as I am only too well aware of their fallibility!!!!!
Forced out of car due to insurance blunder Vol 2. - Westpig
I believe it still to be the case that a person can resist a wrongful
arrest so if you know your car is insured yet you are arrested you can
legally resist that arrest!! Can't wait for the first case like that to happen.

an arrest can be perfectly lawful..i.e. it was correct at the time or the officer believed it to be correct at the time with the 'reasonable suspicion'...(obviously they'd have to have something to form their reasonable suspicion)

then, when more facts become available e.g. a witness statement or viewing of CCTV it transpires that person was not the culprit...then the person would be released pronto

nothing unlawful about the whole process and if that person had resisted arrest in the first place, they'd be in serious doo-doo

which just goes to show what a limited knowledge of the system can do to your thought processes on a subject matter
Forced out of car due to insurance blunder Vol 2. - R75
which just goes to show what a limited knowledge of the system can do to
your thought processes on a subject matter


Or even "What limited information in a system can do your thought process on a subject matter"

I rest my case!
Forced out of car due to insurance blunder Vol 2. - R75
Here we go again eh WP, a bad work man always blames their tools!!!

"We have to use it", "We don't make the rules" etc, etc, etc.

If I use a system that is floored then I report it and stop using it until it is fixed. Stop using the get out clauses above.

A system that gets 1000 criminals but then gets 1 law abiding person should be scrapped, why should the law abiding amongst us have to suffer because "it's the best we have". It is not, we had a better system, the 7 day special, but the Police decide it is easier to use the MID, as I said earlier it is laziness.
Forced out of car due to insurance blunder Vol 2. - Westpig
A system that gets 1000 criminals but then gets 1 law abiding person should be
scrapped why should the law abiding amongst us have to suffer because "it's the >>best we have".


how wonderfully simplistic...can you tell me of anything else on an subject, anywhere in the world that is 100% perfect?


>>It is not we had a better system the 7 day special but the Police decide it is easier
to use the MID as I said earlier it is laziness.

total tosh of the highest order. You don't have to believe me, or any of the other similar posters on here. It is relatively easy to arrange a visit to your local police, most areas do a 'ride-along' type scheme, where you sign a disclaimer and go out on patrol for a night. See for yourself.
Forced out of car due to insurance blunder Vol 2. - NowWheels
So car is caught again by ANPR camera and stopped.
Driver " Sorry Guv..I was stopped a week ago but have got it insured now.
Learnt my lesson. I only insured it yesterday and it's not showing up yet. Can't
remember who I insured it with..been busy"
Not as simple as it sounds is it!


It's very simple. The answer is:

You had seven days to produce your insurance documents and show that the vehicle was insured at the time you were stopped a week ago. You didn't do that, which is an offence in itself ... and you have also just told me that you only insured it yesterday, so that means you were not insured last week. So on your own admission all your answers last week were a pile of porkies, which gives me no resaon to believe you now.

So we're seizing your car. We hope you're not too busy to appear in court and defend yoyrself on a string of charges.
Forced out of car due to insurance blunder Vol 2. - jbif
Daily experience may well have hardened their attitude, no matter how honest or genuine this situation may have appeared
The onus really needs to be on improving the MID and simply not tolerating it. One solution could be motorists receiving 2-3 months free cover if is found the car is not added within 24 hours. Would guess a hit on revenue would spur the insurers into action.


Agreed. Commonsense.
In this particular case, I think an apology from all parties after the event might have defused the situation.

Forced out of car due to insurance blunder Vol 2. - Leif
>> Now I wonder whether our £5.5 M in the Icelandic bank account was our
mobile
>> data fund?
>>
nah that was your pension



And this year the Christmas party will be at Dunkin Donuts.
Forced out of car due to insurance blunder Vol 2. - Optimist
mlc said >> So car is caught again by ANPR camera and stopped.

Driver " Sorry Guv..I was stopped a week ago but have got it insured now. Learnt my lesson. I only insured it yesterday and it's not showing up yet. Can't remember who I insured it with..been busy"

Not as simple as it sounds is it! >>

Er, yes. A week has gone by. Are you saying the bloke has or hasn't complied with the producer? If he has, no doubt you can check. If he hasn't, whatever he says, he's still uninsured and that's when you seize the car.

If this isn't "reasonable suspicion" as in the statute, I don't know what is!

Edited by Optimist on 14/10/2008 at 10:40

Forced out of car due to insurance blunder Vol 2. - daveyjp
"Why can't one of the numerous support people follow up on producers?"

I'm sure a resident officer will confirm that one of the big downsides with a producer is the vehicle driver has the opportunity to choose which station he is to present himself at. This is to cover the issue of those who may live miles away from the offence and may not return to the area they were stopped ever again. They can produce at their local station.

I have occasional dealings with police admin and even dealing across stations in the same city can be a nightmare - I currently have a situation which has been picked up by two different area police stations and they are unaware of each others enquiry. Imagine trying to match up a producer given in one area with a force miles away who uses a call centre to answer calls. It could take days for each one.
Forced out of car due to insurance blunder Vol 2. - Optimist
I have occasional dealings with police admin and even dealing across stations in the same city can be a nightmare >>


Why? Most large organisations can manage. Scan the paper in at one place and send it to the one the punter chooses.

If you went into your bank and they said you couldn't have any money because it wasn't your branch, I'd imagine you'd be furious. What's the difference? It's just a bit of technology.



Forced out of car due to insurance blunder Vol 2. - Westpig
Why? Most large organisations can manage. Scan the paper in at one place and send
it to the one the punter chooses.


it is normally sent via post (internal if the same outfit) so you have the originals. Usually for a prosecution good evidence is to have the originals, although not always essential.

It's not the technology that is the problem, although some of that can be woeful due to budget restraints.

it's usually not enough staff to do all the jobs that are necessary. The unimportant stuff drops off the bottom. HO/RT1's (producers) are not a high priority and haven't been for many years.
Forced out of car due to insurance blunder Vol 2. - NowWheels
it's usually not enough staff to do all the jobs that are necessary. The unimportant
stuff drops off the bottom. HO/RT1's (producers) are not a high priority and haven't been
for many years.


So, the real issue here is of police priorities; VED, insurance and MOT compliance haven't been high on your list. Everyone has to prioritise, and that may or may not be an unreasonable set of priorities, but the problem her is the way that it became a high priority when you had draconian powers.

Do you now have some targets to meet?
Forced out of car due to insurance blunder Vol 2. - NowWheels
If you went into your bank and they said you couldn't have any money because
it wasn't your branch I'd imagine you'd be furious. What's the difference? It's just a
bit of technology.


Big difference. We have a choice of banks, but not a choice of police officers.

If my bank messes me around, I can use another one ... but if my local police force decides it's seizing my car because it couldn't be bothered to sort out the admin systems which would make immediate seizure unnecessary, I can't choose another force without moving house ... so we have to rely on them to deal with us in a spirit of public service.

I just checked the mission statement of West Yorkshire Police (at tinyurl.com/4crfbg ):

The purpose of West Yorkshire Police is to uphold the law fairly and firmly: to prevent crime; to pursue and bring to justice those who break the law; to keep the Queen's peace; to protect, help and reassure the community: and to be seen to do all this with integrity, common sense and sound judgement.

We must be compassionate, courteous and patient, acting without fear or favour or prejudice to the rights of others. We need to be professional, calm and restrained in the face of violence and apply only that force which is necessary to accomplish our lawful duty.

We must strive to reduce the fears of the public and, so far as we can, to reflect their priorities in the action we take. We must respond to well-founded criticism with a willingness to change.

The officers participating in this thread haven't offered much evidence that they are trying to "protect, help and reassure the community", let alone that they "respond to well-founded criticism with a willingness to change".

Maybe they aren't from West Yorkshire, but the Met promises to "build trust by listening and responding" and to "learn from experience and find ways to be even better (see www.met.police.uk/about/mission.htm). GMP promises to be "a Force which listens and learns", and is "open and accountable" (see www.gmp.police.uk/mainsite/pages/forcevision.htm ).

Other forces make similar promises, but this thread doesn't give me much confidence that this is what's happening. The attitude I'm picking up here is that there's listening but no learning, and a distinct unwillingness to strive to use police powers in a way which minimises hassle to the public. The response seems to me to amount to "we have a power, so we'll use it" and "we can't fix our admin systems, so we'll just use our draconian powers instead". Not very encouraging :(
Forced out of car due to insurance blunder Vol 2. - Westpig
NW,

If you had poor service at your local A&E would you chastise the poor sod behind the counter, chew the head off the nearest stressed nurse, march up to the only doctor and berate them

or

write to your MP, the Chief Executive etc and try to get the issue addressed by the PEOPLE THAT CAN CHANGE IT

lumping 'the police' together shows either ignorance or an underlying issue that is pushing this. You don't come across as all that ignorant.
Forced out of car due to insurance blunder Vol 2. - NowWheels
If you had poor service at your local A&E would you chastise the poor sod
behind the counter chew the head off the nearest stressed nurse march up to the
only doctor and berate them


I haven't had poor service myself. I'm talking about a case in which I had no involvement, discussing it with people within the system while I try to learn as much as I can about how it actually works and what their attitude is to it.
write to your MP the Chief Executive etc and try to get the issue addressed
by the PEOPLE THAT CAN CHANGE IT


When approaching any issue, I always start from the bottom and work up. Systems very rarely work the way that the people in charge think they do, let alone how those who designed them intended that they should work, and the story from the frontline is crucial to any understanding what's happening.
lumping 'the police' together shows either ignorance or an underlying issue that is pushing this.
You don't come across as all that ignorant.


Underlying issue? Very simple, I don't like seeing ordinary people propelled into a bureaucratic nightmare. It's far too common these days, to find a system whose intent may have been laudable, but which ends up making life impossible for people who get caught in its corners.

When that system is a police system, the consequences for the public tend to be much more severe than if it's a commercial company.
Forced out of car due to insurance blunder Vol 2. - NowWheels
I'm sure a resident officer will confirm that one of the big downsides with a
producer is the vehicle driver has the opportunity to choose which station he is to
present himself at. This is to cover the issue of those who may live miles
away from the offence and may not return to the area they were stopped ever
again. They can produce at their local station.


Why is this a problem? The police have computers, and can use them for this sort of situation.

When a producer is issued, log it on the computer, along with any relevant notes. (That can either be done on the spot if the force concerned has mobile data, or done by back-office staff). Then when the person presents the documents, at whatever station, they can be assessed in the light of any comments made by the officer who stopped them. I'm sure we'll have a traffic officer along in a moment to moan about the paperwork involved, but it need be no more paperwork than is involved in seizing a vehicle.

The question of being able to lodge at any police station is really important. If someone lives in London but is driving in Cumbria, then a round-trip to show the paperwork in Carlisle is a journey of 600 miles. If the driver isn't breaking the law, why require them to do that?

Unfortunately, that's exactly what will be involved if the car is seized. Get out of car, take taxi to station. Return train fare to London for immediate travel could easily cost £200, then add in £300 costs to be paid to the bounty-hunting private company who towed the car, and there's a bill of £500 even if there is only one person involved and no accommodation costs.

Once again it seems that because police forces haven't sorted out their admin, the system is being run in a way which places all the burden on the citizen. :(
Forced out of car due to insurance blunder Vol 2. - Westpig
Once again it seems that because police forces haven't sorted out their admin the system is being run in a way which places all the burden on the citizen. :(


the admin is one element of it...and for some years police admins have not concentrated on form HO/RT1. The other element is the staffing levels needed to chase up people who don't comply. As things stand today, the system could not cope with that, when i joined over 25 years ago, it mostly did so.

if you argued that considerably more police officers across the country were needed to do what they used to do 20 years ago plus i.e. stop people, issue producers and run around after people when they didn't comply...then i'd agree with you

sadly that isn't going to happen..due to the costs alone...so we've got a compromise. That compromise works quite well..but has flaws. I'd agree about the civil liberty element i.e. losing your car when you have in fact got insurance..but there's another angle of civil liberty...and that is driving around not having to worry about some clown with no insurance...because the authorities are taking them off the road

what grates with me, is when the people trying to make the system work, get the jip for all the ails e.g. underfunding, skewed priorities, flawed legislation, etc...

ho hum, there's a saying in the police "If you can't take a joke don't join the Job."
Forced out of car due to insurance blunder Vol 2. - L'escargot
Over to you.


By the time I got to the end of your extremely lengthy post I was confused about what point you were trying to make. Perhaps you could give us a concise version of the incident, without any reference to the EU, UKIP, the House of Commons, Sale of Goods act, the Government, House of Commons, European Arrest Warrant, extradition to an EU country, Andrew Symeou, Nigel Farages, violent crimes on businesses, armed robberies, car jackings, the fact that the police officer was driving a Range Rover, it was after a hard day's work, and that your wife's name is June.

Just give us the (relevant) facts, man, just give us the facts.
Forced out of car due to insurance blunder Vol 2. - PW
It seems to be the Police are now being blamed for the inefficiency of the insurance companies. As the insurers customers, we should be campaigning for them to ensure this data is uploaded in a timely and accurate manner to ensure this does not happen, which the Police should also be doing as end users of the product. 100% accuracy is not impossible- we have it where I work through stringent quality control measures.

As for this specific case, there seems to be a tendency to overlook the fact the driver did not help himself by providing credible proof of his claims.

One thing that also made me wonder was, if this is the gross injustice that has been claimed here, why has it only been picked up by one regional paper, roughly 10 months after the event, and then failing to mention the Police did try to resolve, but were impeded by the driver and person who took the policy out not knowing who their cover was with.

Oh, and as for comments such as living in a Police state, well, if we did, wouldn't we all have to carry all our documents with us (and a shedload more) which would have avoided this in the first place ;-)
Forced out of car due to insurance blunder Vol 2. - midlifecrisis
This thread should be in a comedy and humour section.

I'm waiting for the first 'we pay your wages' and I must make sure I never get stuck in a lift with some of you. The conversation would be scintillating. Are you as bitter in 'real life' as you seem to be on here.

I'll tell you what NowWheels, if I can get the authorisation, I invite you to come and spend a 12 hour night shift with me. Then you can advise me as you see fit....or you might just get a reality check. (Don't wear your best clothes though...hepatitis infected spittle doesn't half stain)
Forced out of car due to insurance blunder Vol 2. - NowWheels
I'll tell you what NowWheels if I can get the authorisation I invite you to
come and spend a 12 hour night shift with me. Then you can advise me
as you see fit....or you might just get a reality check. (Don't wear your best
clothes though...hepatitis infected spittle doesn't half stain)


Excellent idea! Seriously, I'd welcome the opportunity, so long as you are based within an hour's drive or train-ride of Bradford.

If you can set it up, I'm sure the mods will be able to pass an email on to me (they've been kind enough to do soi before with others). I'm sure we'll both learn from it all, and it will be interesting to swap notes afterwards in the backroom.

And don't worry about my clothes. Unless I have a particular need to polish myself up, I'm a scruff :)
Forced out of car due to insurance blunder Vol 2. - NowWheels
Oh and as for comments such as living in a Police state well if we
did wouldn't we all have to carry all our documents with us (and a shedload
more) which would have avoided this in the first place ;-)


The way this is being implemented, the effect is that we now do basically have to carry our papers with us, because if we haven't got them we risk ending up in a kafkaesque trap due to an error in a database over which we have no control, and which even the DVLA says is not our responsibility.

That's one of the things that annoys me about this. If parliament had intended us to be required to carry our vehicle papers at all times (rather than having 7 days to produce them), it would have legislated to do so. Parliament didn't do that.
Forced out of car due to insurance blunder Vol 2. - Optimist
mlc said >> I must make sure I never get stuck in a lift with some of you. >>

And we should all make sure we never get stopped by you, because none of us would have a chance up against someone who sees himself and all coppers as saintly figures doing a supremely difficult job while the rest of us just get in the way. And right all the time, of course.

What do you all do? WP keeps telling us how producers and loads of other things are now relegated to the bottom of the pile. It is now a matter of policy that police forces won't even take reports of fraud on credit and debit cards; not because there's a change in the law, just because they've agreed not to. And fraud's a bit difficult, isn't it?

So what are you all up to?

Forced out of car due to insurance blunder Vol 2. - Blue {P}
To whoever it was that suggested 5 cars from every 100 show as false positives - you are misinterpreting the stats.

What was claimed was that 5% of database entries are incorrect, that DOES NOT mean that 5% of the total number of cars on the road show up as uninsured when they actually have cover.

What it means is that from every 100 cars that show as having no insurance (which will be a small percentage of all cars on the road) there will be 5 cars that are actually insured despite MID saying no. (it could also mean that for every 100 cars showing as having valid insurance, 5 in fact do not)

From these 5 cars in every 100 I would imagine that most would be able to name their insurer and provide an adequate enough explanation that they would be given a producer.

I would however question the 5% statistic anyway, I doubt the failure rate is that high, I insured my car on a temporary basis last year and got stopped by the police due to "spirited driving" 2 days later, my insurance was listed as current on the MID (although I was carrying a certificate just in case) Granted this is just anecdotal, but unless the system is based on a lot of manual input then I doubt that it will fail in 5 out of every 100 cases.

To someone else who commented on my comment - I would expect the police to believe my insurance cert as they would easily be able to tell from the MID whether the cert that I had in my hand had been cancelled or not. If I had my cert with me and still had my car seized THEN I would be unhappy. But really, does anyone think that has ever happened, anywhere? If it had then it would certainly be more newsworthy than this numpty's non-event.

Forced out of car due to insurance blunder Vol 2. - Stephen Farndon
HUGE and MEGA QuoteSnip!

In reply to Blue

You are correct. The MID was 97.4% accurate after 7 days in the first half of Sept.2008. That is a fairly typical figure. With 33 million insurance records that still leaves 858,000 insured (innocent) drivers at risk.

The point here is subtle but very important: The "law" (maybe it's just a regulation?) on the MID says that it has to be 95% accurate after 7 days AND NOTHING MORE. MID compliance rules just forget about the remaining 5%. You would expect that the compliance rules would state that the MID should become 97.5% accurate after 14 days then 100% accurate after 28 days (for example). Your insurance policy can run until it expires without ever being entered onto the MID and without any financial penalty against the Insurer for non-compliance. That explains why my policy was renewed on Feb.11th and still wasn't on the system by Mar.22nd - nearly 6 weeks later. No verification or cross-checks are built into the system so the omission was never picked up, neither would it have been, EVER.

I double-checked this with MIB.

Now tell me that you think that this a perfectly satisfactory situation.

Edited by Dynamic Dave on 15/10/2008 at 11:19

Forced out of car due to insurance blunder Vol 2. - Leif
What was claimed was that 5% of database entries are incorrect that DOES NOT mean
that 5% of the total number of cars on the road show up as uninsured
when they actually have cover.


Surely it does.
What it means is that from every 100 cars that show as having no insurance
(which will be a small percentage of all cars on the road) there will be
5 cars that are actually insured despite MID saying no. (it could also mean that
for every 100 cars showing as having valid insurance 5 in fact do not)


No, taking it at face value it means that 5% of entries are incorrect. If we assume that the database lists the insurance status of all cars, that 10% of cars are uninsured, and that errors are random, then 4.5% of cars wrongly show as being uninsured, and 0.5% wrongly show as being insured. That is totally different from your explanation. Now what you say might be true, but then in that case it is not true that 5% of entries are incorrect.

I happen to think that 5% is too high to be acceptable and I would hope the true figure is more like 0.5%.
Forced out of car due to insurance blunder Vol 2. - Blue {P}
So what are you all up to?


I can't say too much as there are several court cases going to be happening shortly, but from first hand experience I can assure you that they are very active in the community fighting a variety of different serious crimes far more than you (or until recently even myself) would ever be aware or imagine. The skill and cunningness of the operation that I'm thinking of had to be seen to be believed, even now that it's over I still can't quite get my head around how they did it and yet it doesn't even seem to have made the news. Staggering.

Forced out of car due to insurance blunder Vol 2. - midlifecrisis
mlc said >> I must make sure I never get stuck in a lift with
some of you. >>
And we should all make sure we never get stopped by you because none of
us would have a chance up against someone who sees himself and all coppers as
saintly figures doing a supremely difficult job while the rest of us just get in
the way. And right all the time of course.



A saintly figure with a sense of humour! (Humour..it's in the dictionary..look it up).

What do we all do...nothing apparently..clearly all those naughty people hand themselves in every night.

(Don't forget to renew your Daily Wail subscription ;) )

Edited by midlifecrisis on 15/10/2008 at 10:09

Forced out of car due to insurance blunder Vol 2. - Optimist
If you follow this link tinyurl.com/3lgph3 it will take you to a debate in Parliament last year about cars being seized wrongly. There you will find further examples of what, according to you, doesn't happen or we'd all hear about it.

The fine for failing to keep the MID up to date is £5000. But I don't know who's supposed to enforce it. Does anyone?

Also: the police have had the seizure weapon since july 2005. Three years. Has the incidence of uninsured driving gone down?

Edited by Optimist on 15/10/2008 at 10:23

Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Doesn't your grass need cutting or something!
Forced out of car due to insurance blunder Vol 2. - Optimist
Oh dear.

Facts can be inconvenient, can't they, when they get in the way of you being right?

Ask a reasonable question get an unreasonable answer.

Forced out of car due to insurance blunder Vol 2. - midlifecrisis
Facts can be inconvenient can't they when they get in the way of you being
right?
Ask a reasonable question get an unreasonable answer.


I could be hear all day giving you 'facts'..but you've quoted your view that we don't do anything other than annoy innocent motorists. That's you're view, you're entitled to it. I happen to know differently but we're never going to agree are we.

Now to avoid this thread becoming personal (and even more repetitive), I'll leave you to carry on with your crusade.

Forced out of car due to insurance blunder Vol 2. - Stephen Farndon
"One thing that also made me wonder was, if this is the gross injustice that has been claimed here, why has it only been picked up by one regional paper, roughly 10 months after the event, and then failing to mention the Police did try to resolve, but were impeded by the driver and person who took the policy out not knowing who their cover was with." PW

March 22nd to Oct 8th is 6.5 months not 10 months (not indulging in a little journalistic hyperbole of your own are you?). Reasons for the time lag are:-
1. I have a life.
2. Chasing down the trail from police to Insurance Broker to the Motor Insurers Bureau (MIB), the MID, my Underwriter, involving the Financial Services Bureau, researching the Internet for similar cases (eleven so far) and the facts/law on the MID, all takes a long time. Especially trying to get some straight answers out of MIB. Only when I understood the position and was ready to claim compensation from HSBC Insurance did I volunteer the story to MEN - I was surprised that it made the front page. I don't write the headlines. I've tried to write a definitive account (FMPOV) which I've posted earlier.

Forced out of car due to insurance blunder Vol 2. - b308
At the end of the day it seems to boil down to whether we want the Police to continue pulling over people who show up with no insurance, with the risk that a very small number of innocents will be picked up as well, or just tell them not to bother as the inconvenience to the innocent far outweighs the danger the non-insured cause...

Personally I'm with the status quo, let the Police continue the good job they are doing now - every insured driver can check easily enough if they are on the database by going online (and Libraries have free internet access for those who don't at home), so the remedy is in the individuals hands... Oh and larger and enforced fines for the Insurance Companies would not come amiss either...

Or will I be accused of over-simplifying things, I wonder....
Forced out of car due to insurance blunder Vol 2. - L'escargot
Over to you.


Mr Farndon, I still can't see the point of your post.

Most Backroomers in your situation would be asking for advice as to what they should do. Others would be giving us the benefit of their experiences and telling us how to avoid the pitfalls that they'd encountered. But you don't seem to fall into either of these categories. Are you perhaps trying to further your political career? Are you perhaps ranting about the various establishments involved just to get it off your chest? Are you perhaps just being egotistical and demonstrating your way with words?

Why not tell us what it's really all about? What's your motive in publishing this post? I, for one, would really like to know.

Edited by L'escargot on 15/10/2008 at 11:26

Forced out of car due to insurance blunder Vol 2. - Leif
Incidentally I don't think it helps that the description of the incident by the OP is over dramatised to a somewhat absurd degree. That said, I would be annoyed by the sheer inconvenience of the situation and having to call on a relative to drive over. Had the family been on holiday, a long way from home, then life could have been seriously screwed for them i.e. having to cancel the holiday. And it was lucky a relative was able to drive over.