My mate hasn't paid her insurance for 3 months and she is meant to pay it monthly. Is her insurance classed as invalid because its not been paid for or is it still valid?

I can see why it would be valid because she has made out the policy and its missed payments. But at the same time I can see why it would be classed as invalid. Just wanting the definitive answer, she doesn't seem to be to bothered. Neither am I, just curious more than anything! I pay my insurance and its all legit so I've got nout to worry about

Adrian flux have done this to me lol.

They 'forgot' to set the direct debit thing up haha

I did the silly thing of ringing up to find out why.

They never said it wasn't valid then.

I'm guessing if its the insurance peoples fault then its still valid.

If it was invalid due to non payment they would have sent her a letter telling her that the policy will be canceled on whatever date and that you had to bring your installments up to date/pay the full amount before the said date in the letter.

If she's not bothered she could keep her fingers crossed and might not have to pay anything if its a fault on their part, and they don't know. But if she needed to claim or requested proof of no cliams I'd say they would want the premium off her.

Obviously insurance companies will differ but this happened to me not long ago as the company providing the credit for my premium forgot to take the payments for a couple of months while I was working away. Unfortunately when I got back I rang up to question this and had to pay it up to date

Edited 5 August, 200818 yr by stayinlow

easy to check www.askmid.com if its showing as insured on this website shes ok, if not its invalid.

I had this with CIS. Didn't take 3 months of payments out a couple of years ago (when I was insured as a named driver, so wasn't my bank account). When I found out, I phoned them up and they said that the insurance had been cancelled 6 weeks previously, so I'd been driving for 6 weeks with no insurance.

They didn't send me a letter or anything to say payments had been missed ofr that they were cancelling the policy.

Edited 5 August, 200818 yr by wizardflake

Still valid as the policy is still active..

They'll be pissd off and obviously, you should pay monthly bills!

But unless they actually cancel it, it's legit.

Not always, many policies will have a clause whereby missed payments will render the policy inactive. The specific duration of leniency will also be in the contract.

For example, if I were to miss a payment, or the insurer fails to collect, I have a period of 30 days of insurance in which to contact the insurer to discuss why the payment was not collectable. I can then arrange to re-pay the amount within 30 days and remain insured, post pone the payment to a later date, with interest and remain insured or cancel the policy with charges and payments up to and including the current month's end. I have been in this situation due to being paid nine days late.

The insurer will not cover you if the payments haven't been made, regardless of fault, insurer or policy holder, they will not insure you if you haven't paid.

At the moment your friend is driving with the intent to be insured, where by she has and is, to the best of her knowledge, insured. This will give her leniency from the police and in an accident will give her a leg to stand on with her insurers or in court.

However, the police will check monthly insurance policies and their payments as it is relatively easy to cancel payments to the insurer, thus not being insured, but actually holding a policy declaring that they are insured. This is popular amongst drivers who deliberately drive un-insured and one I've been accused of during the above said situation.

Edited 11 August, 200818 yr by Quinny

Sorry, but if my insurance money wasnt going out of my bank account then I would notice...yeah it'd be nice

having the extra money in there, but at the end of th day the insurance is not being paid therefore the

insurance is NOT valid, as said by Quinny!

However I dont think it would give any leaniency in court in the slightest. Knowingly not paying for goods

you have/a service provided/insurance you have but not paying for could be deemad as fraud.

But if you give them a card number or account to take payment from then wouldn't that be classed as offering payment. By them not taking this payment then it is entirely their fault and you are still entitled to their goods/service whatever as you have offered payment.

Thats the way I see it anyway.