Car Uninsured on Traders Policy

[Jon.G]

I've got a friend who claims his car is insured on a traders policy, however when you run the plate via askmid it says the car is uninsured. Would this be correct, or is the car not insured?

 

[The Chubby Pirate]

Lies.

Your friend is a liar.

 

[roberto.]

Policies don't always come up if it's on traders iirc

 

[SamP]

Policies don't always come up if it's on traders iirc

This.

 

[Jon.G]

Thought so, Cheers.

 

[Daniel]

Policies don't always come up if it's on traders iirc

If you own the car for longer than 7 days, its illegal not to update your MID account with the reg number.

(The MID account is what you would use to check if a cars insured)

 

[Jon.G]

So if they've owned the car for over 7 days and MID still says its uninsured, its not? Or are they just committing an offence?

 

[Daniel]

I'm not sure on the legalities, or what offence they're commiting. But my broker is proper hot on it and gives me a bollocking if I don't keep up with it.

Something stupid like a £5000 fine if you get caught.

 

[White16valver]

On a Traders' policy, is it not the case that the driver is insured (and is therefore applicable to any car owned/driven) and not the car?

 

[Chip-mk1]

On a Traders' policy, is it not the case that the driver is insured (and is therefore applicable to any car owned/driven) and not the car?

Yes but as per Daniel you have to keep the MID informed.

For my policy I just text the reg of any new car I get and my insurers then add it to MID.

 

[skyinsurance]

If it his car it should be listed on the trade policy and therefore on the MID.
http://www.skyinsurance.co.uk/car-club-insurance.html