[Skullfudge]

I feel that you need to read this to prevent it from happening to you.


All insurance policies may differ but in my case the insurances for my work vans are paid via direct debit over 12 months. At the end of each yearly period we normally receive a letter asking if we wish to continue and the direct debits simply continue.

One of my gangs were pulled over this morning as a police vehicle with a rotating camera stopped them saying that no insurance was found in their system.
I checked it out and to my horror all insurances had stopped on 5th June 2011.

I phoned the insurance company (More Than) and they informed me that a letter had been sent asking if we wanted to continue with the policy to which we have always replied yes.
We have no recollection of any letter and we are certainly not in a habit of throwing unopened envelopes in the bin, so I dont know what happened?

I now have a BIG problem. The driver had been arrested (who just so happens to be my Son.
The gang were not allowed to drive to the job and the van was collected and towed off to be stored. The job they were meant to do today was to prepare works for a civil engineering gang attending tomorrow.

I now have to pay 3 wages for the guys that have achieved nothing. £ 375.00
The civil engineering gang have charged me £ 1,300.00 as they have nothing to do tomorrow.
£ 150.00 to release the van.
My 20 yr old Son will now have to declare 6 points and I will now have to pay the additional payments for him as he currently pays monthly and by law we must notify his insurers of todays events.

I phoned Gary of Keith Michael's Insurance who kindly arranged to renew the policy on the vans as I have washed my hands with the other lot. ...... Thanks mate, if you are reading this.


I haven't bothered to write down 80% of all the crap I've experienced today as this post would have become a friggin book.

It may look bad on my part for not checking but when policies are carried over into another year why should I need to check that the vehicles are still insured.?

The Police told me this morning that they experience this virtually daily.

ONE FOOKING PHONE CALL from More Than would have prevented all the bollox I have had from 9.15 this morning until now (2.30).


Today I nearly threw the towel in. Is it all worth it?

Maybe I will live longer packing all this up and getting a normal life with a normal job as a fooking green grocer or something.