Aviva nearly lost my mum's car

Bringit96

Bringit96

Zorg Guru (III)
Joined
Aug 26, 2017
Points
125
Location
London
Model of Z
Z3
A fun/ slightly scary story from Friday evening.

I left my flat in my mum's Honda CRV to pick up my aunt's dog. With cage and all I couldn't take the Z3.

As I drove down the road outside my flat I went through a police check point and they waved me into a side road to be checked. I know I don't have any reason to be worried, no drugs, I'm insured on the car through my insurance etc. Me and the car are searched and cleared. Here comes the scary part.

On the national database that the police use it says I'm not insured to drive other cars. This is news to me as one of my conversations with Aviva was about this and they said I can drive any other car as long as I had the owner's permission and I'm covered with 3rd party insurance. And yes I did have my mum's permission to drive her car!

Okay no problem I can log into Aviva online and show them the policy...Nope, Aviva is having IT issues and no one can access policies. Okay don't panic, there are only 5 police officers eagerly waiting to possess my mum's car and charge me with driving without insurance :bag:

I call Aviva and the person on the phone says he can't check the policy, however the standard when you have fully comp insurance is that you automatically get 3rd party cover on other people's cars.

After having the poor guy repeat it to 3 officers they finally decided I was in the clear. It was down to Aviva not having an up to date database and that would have royally messed up my weekend.

Luckily all was clear and I'm chilling with this lil dude

IMG-20190825-WA0013.webp


Aviva will be getting a call on Tuesday :mad:
 
I thought you have a period (7 days?) to produce documents to the police following a stop? Perhaps this has now changed?
 
Ianmc said:
I thought you have a period (7 days?) to produce documents to the police following a stop? Perhaps this has now changed?
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I agree. I shall check with my Police authority when I see her later. It’s news to me their database would have this detail anyhow. Crikey, this sounds more like a wartime spy check!
 
No. Its just another money making scan
 
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Ianmc said:
I thought you have a period (7 days?) to produce documents to the police following a stop? Perhaps this has now changed?
Click to expand...
The old HO/RT1 or 7 day producer is very rarely used anymore. The police have access to both driving licence and insurance databases which are pretty accurate and up-to-date.

There's always an exception to this and it looks as though this was one of those occasions. The insurance database relates to policies on the vehicle not the driver so if the OP's mum's car insured and she's the only driver then it would tell the cops that.

In this case, a check on the OP's own vehicle would have shown that he was entitled to drive other vehicles. I wouldn't have expected Aviva's system being down to have caused an issue tho.
 
Keet said:
In this case, a check on the OP's own vehicle would have shown that he was entitled to drive other vehicles. I wouldn't have expected Aviva's system being down to have caused an issue tho.
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The issue was that when the Police looked up my own vehicle it didn't show I was allowed to drive other cars even though I am. It's as if Aviva somewhere hasn't processed it correctly. I doubt that Aviva's system being down caused it to be incorrect on the national database
 
Bringit96 said:
The issue was that when the Police looked up my own vehicle it didn't show I was allowed to drive other cars even though I am. It's as if Aviva somewhere hasn't processed it correctly. I doubt that Aviva's system being down caused it to be incorrect on the national database
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Definitely Aviva's mess up. Thankfully it worked out in the end but I'd be tempted to have words with them.
 
Ianmc said:
I thought you have a period (7 days?) to produce documents to the police following a stop? Perhaps this has now changed?
Click to expand...
I think that's pretty old school now Ian. All done instantly online now days.
 
@Keet is bang on here. The police will act upon the information provided to them by the insurance companies. Sometimes they provide inaccurate details that can cause huge inconvenience. Unfortunately responsibility falls on the insurance provider.
 
Think we’re with aviva , I’ll get Alan to check this out , as we’re both the second driver on each of our cars , some years ago , I wasn’t on Alan’s insurance because I didn’t like driving his car at the time , but the insurance we were with at the time told Alan to put me down as the second driver as the insurance would go down , and yes it went down by about £75 . Good luck on Tuesday. Hope it don’t play on your mind . :p
 
Bringit96 said:
A fun/ slightly scary story from Friday evening.

I left my flat in my mum's Honda CRV to pick up my aunt's dog. With cage and all I couldn't take the Z3.

As I drove down the road outside my flat I went through a police check point and they waved me into a side road to be checked. I know I don't have any reason to be worried, no drugs, I'm insured on the car through my insurance etc. Me and the car are searched and cleared. Here comes the scary part.

On the national database that the police use it says I'm not insured to drive other cars. This is news to me as one of my conversations with Aviva was about this and they said I can drive any other car as long as I had the owner's permission and I'm covered with 3rd party insurance. And yes I did have my mum's permission to drive her car!

Okay no problem I can log into Aviva online and show them the policy...Nope, Aviva is having IT issues and no one can access policies. Okay don't panic, there are only 5 police officers eagerly waiting to possess my mum's car and charge me with driving without insurance :bag:

I call Aviva and the person on the phone says he can't check the policy, however the standard when you have fully comp insurance is that you automatically get 3rd party cover on other people's cars.

After having the poor guy repeat it to 3 officers they finally decided I was in the clear. It was down to Aviva not having an up to date database and that would have royally messed up my weekend.

Luckily all was clear and I'm chilling with this lil dude

View attachment 113917


Aviva will be getting a call on Tuesday :mad:
Click to expand...
You were lucky!
Relax: you deserve to.
And call insurers and complain.
 
A guy I worked with was pulled into a check on the way in to work one day. He calls me to pick him up after he had had his car seized for no insurance and he was given notice of prosecution of said offence. He was not a happy bunny. It took many calls to his insurer to where he had to insist on them recovering the phone conversation of his instruction to accept a policy change. They initially insisted that he had declined the policy costs after that change request. It never occurred to him that he hadn't had any written confirmation of his policy change.

After much to-ing and fro-ing over two days they finally accepted that their agent had made a mistake cancelling his policy and that he had been without insurance for 9 months! They corrected the situation and wrote to the court to get the prosecution cancelled and had to get the police to release his car. It didn't do his blood pressure one iota of good.
 
Bringit96 said:
A fun/ slightly scary story from Friday evening.

I left my flat in my mum's Honda CRV to pick up my aunt's dog. With cage and all I couldn't take the Z3.

As I drove down the road outside my flat I went through a police check point and they waved me into a side road to be checked. I know I don't have any reason to be worried, no drugs, I'm insured on the car through my insurance etc. Me and the car are searched and cleared. Here comes the scary part.

On the national database that the police use it says I'm not insured to drive other cars. This is news to me as one of my conversations with Aviva was about this and they said I can drive any other car as long as I had the owner's permission and I'm covered with 3rd party insurance. And yes I did have my mum's permission to drive her car!

Okay no problem I can log into Aviva online and show them the policy...Nope, Aviva is having IT issues and no one can access policies. Okay don't panic, there are only 5 police officers eagerly waiting to possess my mum's car and charge me with driving without insurance :bag:

I call Aviva and the person on the phone says he can't check the policy, however the standard when you have fully comp insurance is that you automatically get 3rd party cover on other people's cars.

After having the poor guy repeat it to 3 officers they finally decided I was in the clear. It was down to Aviva not having an up to date database and that would have royally messed up my weekend.

Luckily all was clear and I'm chilling with this lil dude

View attachment 113917


Aviva will be getting a call on Tuesday :mad:
Click to expand...
Moral of the story: Give the pooch a ride in the Z3............................................................I know you're not looking for advice like this....Frankie
 
Bringit96 said:
A fun/ slightly scary story from Friday evening.

I left my flat in my mum's Honda CRV to pick up my aunt's dog. With cage and all I couldn't take the Z3.

As I drove down the road outside my flat I went through a police check point and they waved me into a side road to be checked. I know I don't have any reason to be worried, no drugs, I'm insured on the car through my insurance etc. Me and the car are searched and cleared. Here comes the scary part.

On the national database that the police use it says I'm not insured to drive other cars. This is news to me as one of my conversations with Aviva was about this and they said I can drive any other car as long as I had the owner's permission and I'm covered with 3rd party insurance. And yes I did have my mum's permission to drive her car!

Okay no problem I can log into Aviva online and show them the policy...Nope, Aviva is having IT issues and no one can access policies. Okay don't panic, there are only 5 police officers eagerly waiting to possess my mum's car and charge me with driving without insurance :bag:

I call Aviva and the person on the phone says he can't check the policy, however the standard when you have fully comp insurance is that you automatically get 3rd party cover on other people's cars.

After having the poor guy repeat it to 3 officers they finally decided I was in the clear. It was down to Aviva not having an up to date database and that would have royally messed up my weekend.

Luckily all was clear and I'm chilling with this lil dude

View attachment 113917


Aviva will be getting a call on Tuesday :mad:
Click to expand...
Does the dog like riding in the car????......

View: https://youtu.be/EDA0usH3AFo
 
I feel I should add that the driver who was in front of me in the stop zone was driving under the influence of drugs.

As annoying as this experience was for me the police were doing their job and stopped someone who was putting other people's lives at risk. I'd rather waste 20 minutes getting stopped and searched than be hit or worse by a dangerous driver who wasn't stopped.
 
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