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Car Insurance

peter10
Grafter
Posts: 231
Registered: 04-03-2009

Car Insurance

I've just renewed my car insurance and changed insurers. I notice that my present insurance runs out at 23.59 on the 26th and the new one starts at 00.01 on the 27th. Does this mean that technically I'm uninsured for 2 minutes?
28 REPLIES
WTF
Grafter
Posts: 673
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Registered: 14-09-2012

Re: Car Insurance

Yup - might be best to pull over for a couple of minutes  Grin
Community Veteran
Posts: 13,923
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Registered: 01-08-2007

Re: Car Insurance

Certainly does and that means you can't technically park it on the public highway too Wink
I once had an insurance certificate sent to me that expired 20 odd minutes before it started  Crazy
I need a new signature... i'm bored of the old one!
Moderator
Moderator
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Re: Car Insurance

When arranging learner cover for SWMBO you could actually state the exact minute the cover was due to start!

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Courage is resistance to fear, mastery of fear, not absence of fear - Mark Twain
He who feared he would not succeed sat still

Community Veteran
Posts: 16,835
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Registered: 06-11-2007

Re: Car Insurance

Hope you don`t get "tugged"... as you will be committing several offences... Shocked
CX
Grafter
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Registered: 16-09-2010

Re: Car Insurance

I wonder whether ANPR takes things like this into account?
TORPC
Grafter
Posts: 5,163
Registered: 08-12-2013

Re: Car Insurance

No matter which 1 we go with they all want our money
Community Veteran
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Registered: 12-08-2007

Re: Car Insurance

I don't think I'd worry unless I was on the road at midnight.
Community Veteran
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Registered: 20-10-2012

Re: Car Insurance

Quote from: Salmo
I've just renewed my car insurance and changed insurers. I notice that my present insurance runs out at 23.59 on the 26th and the new one starts at 00.01 on the 27th. Does this mean that technically I'm uninsured for 2 minutes?

I'll bet that that's because their system wont recognise 00:00!  Roll eyes
In olden days they said midnight for both expiry and commencement!
Geoff,
York.
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Re: Car Insurance

Quote from: CX
I wonder whether ANPR takes things like this into account?

Thats actually a good point and one even the most hardy of police officers would have a hard time refuting.
How do you really know what the time is? Even using multiple time servers online I still get differing results. Atomic clocks have their accuracy results given to them WEEKS after they were measured, and most folks watches / phones / car clocks vary by a few minutes anyway.
Lets face it, who has ever known the exact time down to the second of any of their car accidents?
I need a new signature... i'm bored of the old one!
alanj
Grafter
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Registered: 02-08-2013

Re: Car Insurance

Quote from: NedLudd

In olden days they said midnight for both expiry and commencement!

And I wonder if you then had an accident at exactly midnight, which company would pay?  And how would that affect transfer of NCB from the first policy to the second?
Community Veteran
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Registered: 20-10-2012

Re: Car Insurance

The same as would happen now!  Roll eyes
Geoff,
York.
Moderator
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Re: Car Insurance

Had a look at my latest certificate issued by Hastings Direct and it simply states the start and end dates as inclusive with no time listed.

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Courage is resistance to fear, mastery of fear, not absence of fear - Mark Twain
He who feared he would not succeed sat still

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Registered: 21-03-2011

Re: Car Insurance

You awaken at 23:59:30 to the sounds of an elephant landing on your car having fallen from a passing C130 plane. 
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Re: Car Insurance

At any other time try telling that to any insurance company Grin

Everyone knows C130s can't fly at night Cheesy
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