10 days to produce insurance/licence

battries not included

Hi, do the Garda ring insurance companies when you produce your cert at the desk at nominated Garda station?

I got stopped by Garda for no Tax (fixed penalty 60euro) and I have to produce insurance cert at Garda station,even though I had a valid insurance disk, just want to know how will the Garda at the desk know if I am actually still insured?? does he ring them while you wait?

CiniO

battries not included wrote: »

Hi, do the Garda ring insurance companies when you produce your cert at the desk at nominated Garda station?

I got stopped by Garda for no Tax (fixed penalty 60euro) and I have to produce insurance cert at Garda station,even though I had a valid insurance disk, just want to know how will the Garda at the desk know if I am actually still insured?? does he ring them while you wait?

Your insurance cert says if you are insured or not.

Ricardo G

CiniO wrote: »

Your insurance cert says if you are insured or not.

That does'nt mean he's insured though

godtabh

CiniO wrote: »

Your insurance cert says if you are insured or not.

What if you cancellEd it or was cancelled by the insurance company for none Payment (not directed at op)

Mycroft H

battries not included wrote: »

Hi, do the Garda ring insurance companies when you produce your cert at the desk at nominated Garda station?

I got stopped by Garda for no Tax (fixed penalty 60euro) and I have to produce insurance cert at Garda station,even though I had a valid insurance disk, just want to know how will the Garda at the desk know if I am actually still insured?? does he ring them while you wait?

Presumably you will be named on it and it will have an expiry date on it.

battries not included

CiniO wrote: »

Your insurance cert says if you are insured or not.

Yes, the insurance cert is in my name, my question is how does the Garda tell if I didn't stop making payments by direct debit or something?*

*not that I have, but I have heard of other people producing the 'cert' at Garda station and they just put details into the system, surely they should make you wait while they ring the insurance company?

Ricardo G

battries not included wrote: »

Yes, the insurance cert is in my name, my question is how does the Garda tell if I didn't stop making payments by direct debit or something?

Unlikely they'll check to be honest (which is a shame in some case's)

Mycroft H

Would it flag on the pulse system that your uninsured? Although if the garda has his suspicions he just could ring the insurance company there and then.

matt70iu

battries not included wrote: »

Hi, do the Garda ring insurance companies when you produce your cert at the desk at nominated Garda station?

I got stopped by Garda for no Tax (fixed penalty 60euro) and I have to produce insurance cert at Garda station,even though I had a valid insurance disk, just want to know how will the Garda at the desk know if I am actually still insured?? does he ring them while you wait?

They might ring, Think it depends on the guard. With the massive probs they've had with people having a cert but not being covered due to cancellation by the insurance company.

More are getting caught now cuse of the ANPR cameras tho:)

Ricardo G

battries not included wrote: »

Yes, the insurance cert is in my name, my question is how does the Garda tell if I didn't stop making payments by direct debit or something?*

*not that I have, but I have heard of other people producing the 'cert' at Garda station and they just put details into the system, surely they should make you wait while they ring the insurance company?

I was told to produce my insurance details last summer, brought in the actual disc rather than the cert, they looked at it and said "thats fine" :rolleyes:. Not implying all gardai are like that but complete lack of intrest i found !

CiniO

Are you saying that anyone might just ring to the insurance company, and tell: hi there, I'm a guard, could you please check if Paddy Burke's policy is valid?

How would the insurance company know it's the guard ringing?

battries not included

Okay, maybe I didn't explain correctly..

I enter the Garda station, explain I was stopped and have to show cert etc...

Garda looks at my cert, sees the expiry date and my name on it, types into the system, I walk out of the station BUT I have stopped making payments months ago, I just never returned the cert & disc to insurance company.

If a Garda rings the said Insurance company and asks them to comfirm if I am Actually insured, would that not make more sense??

I see this happening in england on traffic cops, one qiuck call to insurance comapny and bang, car impounded, and owner gets court/fine

Ricardo G

battries not included wrote: »

Okay, maybe I didn't explain correctly..

I enter the Garda station, explain I was stopped and have to show cert etc...

Garda looks at my cert, sees the expiry date and my name on it, types into the system, I walk out of the station BUT I have stopped making payments months ago, I just never returned the cert & disc to insurance company.

If a Garda rings the said Insurance company and asks them to comfirm if I am Actually insured, would that not make more sense??

I see this happening in england on traffic cops, one qiuck call to insurance comapny and bang, car impounded, and owner gets court/fine

Op, if you have insurance you need'nt worry !! I would imagine its fairly uncommon for a garda to go to that much trouble unless you are known to them.

battries not included

Ricardo G wrote: »

Op, if you have insurance you need'nt worry !! I would imagine its fairly uncommon for a garda to go to that much trouble unless you are known to them.

No, not worried, I am insured.

I heard of people going to the station after hours (when insurance companies closed) and producing a cert but actually only paid the first months payment and not bothered to pay the rest of the 11months....

Anan1

All he/she needs is proof that you were insured at the time you were stopped - whether you're still covered now is irrelevant.

Ricardo G

Not sure if insurance companies actually do this in practice but i always thought that if you did not return your disc then the gardai would be notified?

Mycroft H

CiniO wrote: »

Are you saying that anyone might just ring to the insurance company, and tell: hi there, I'm a guard, could you please check if Paddy Burke's policy is valid?

How would the insurance company know it's the guard ringing?

I can very well imagine that there is a procedure between AGS and the insurance companies and not as simplistic as you make out. I know they have checked policies before.

Voodoomelon

CiniO wrote: »

Are you saying that anyone might just ring to the insurance company, and tell: hi there, I'm a guard, could you please check if Paddy Burke's policy is valid?

How would the insurance company know it's the guard ringing?

Is this not what they do in the UK on the side of the road?

Jesus Shaves

They photocopy it and your licence, as regards ringing, i would say there is a system in place where they can check if a policy is still valid, we do live in an era of modern technology

Jesus Shaves

CiniO wrote: »

Are you saying that anyone might just ring to the insurance company, and tell: hi there, I'm a guard, could you please check if Paddy Burke's policy is valid?

How would the insurance company know it's the guard ringing?

Of course they can ring, If i had your name and policy number i could ring and ask were you insured, it's not illegal for insurance companies to give out that information

battries not included

BX 19 wrote: »

I can very well imagine that there is a procedure between AGS and the insurance companies and not as simplistic as you make out. I know they have checked policies before.

If I was to go to Grad station after - hours say around this time and produce my cert, how would he (the garda on duty) check with insurance company?

Jesus Shaves

battries not included wrote: »

If I was to go to Grad station after - hours say around this time and produce my cert, how would he (the garda on duty) check with insurance company?

the next day maybe?

sonyvision

They just read the cert and signed it happened in my case when I was waiting for my log book,

Cant understand why sum body whos insured would be asking questions about how do they check if its valid of not

battries not included

darokane wrote: »

the next day maybe?

would that hold up in court?, as in I produced my cert, the Garda accepted it, signed a receipt for me etc..

The fact he rings them the next day would be irrelevant? I could simply have cancelled my insurance the minute I walk out the station...

battries not included

sonyvision wrote: »

They just read the cert and signed it happened in my case when I was waiting for my log book,

Cant understand why sum body whos insured would be asking questions about how do they check if its valid of not

The point I am making is how do people get away it, and is there no system ij place to cross check details?

Again I am insured, I have the cert here, if only I had of shown it to the Guard at side of the road I would not have to present at station (and waste both mine & garda time)

Jesus Shaves

battries not included wrote: »

would that hold up in court?, as in I produced my cert, the Garda accepted it, signed a receipt for me etc..

The fact he rings them the next day would be irrelevant? I could simply have cancelled my insurance the minute I walk out the station...

How could you cancel your insurance the minute you walk out of the station if it's after hours?

matt70iu

BX 19 wrote: »

I can very well imagine that there is a procedure between AGS and the insurance companies and not as simplistic as you make out. I know they have checked policies before.

Yep...know people who work for a couple of well known insurers and they said they often get calls from Garda checking the validity of an insurance cert.

Mycroft H

I'm sure he could ask was the policy valid yesterday.

CiniO

darokane wrote: »

Of course they can ring, If i had your name and policy number i could ring and ask were you insured, it's not illegal for insurance companies to give out that information

It actually makes sense to me.
I just recalled they put the system in Poland, where you can check online if someone has insurance policy by just entering registration number or vin number. It's here and it returns the policy number if there is a valid policy with the car asked.

CiniO

Voodoomelon wrote: »

Is this not what they do in the UK on the side of the road?

I think they don't have to ring anyone - just use database.

Jesus Shaves

CiniO wrote: »

It actually makes sense to me.
I just recalled they put the system in Poland, where you can check online if someone has insurance policy by just entering registration number or vin number. It's here and it returns the policy number if there is a valid policy with the car asked.

The same way if you have an accident with someone, you can take their policy number, ring their insurance company and ask if they are insured

battries not included

darokane wrote: »

How could you cancel your insurance the minute you walk out of the station if it's after hours?

I meant in a hypothetical way of course :rolleyes:

The point I am trying to make is .... can the garda not check there and then at the desk if your are actually insured?

Not for ME but just in general.

Jesus Shaves

battries not included wrote: »

I meant in a hypothetical way of course :rolleyes:

The point I am trying to make is .... can the guard not check there and then at the desk if your are actually insured?

Not for ME but just in general.

Of course they can.
Are you sure it's not for you?:D

Voodoomelon

CiniO wrote: »

I think they don't have to ring anyone - just use database.

They ring drivers "supposed" insurance companies all the time on the UK cops shows on the side of the road. Road Wars, Police Interceptors etc etc.

battries not included

darokane wrote: »

Of course they can.
Are you sure it's not for you?:D

Yep, sure why would I be asking

I have produced insurance before (disc only) and it has been accepted, just seems unless they are bothered they won't chase it up!

Jesus Shaves

I reckon unless you look or act dodgy they wont bother looking it up

Bloodwing

The guard on the desk will not know when and where you were stopped and the demand made, so no they won't ring the insurance company. However the guard that stopped you will check the details on the system at a later date and if they have any doubts they can contact the insurance company and confirm that your insurance was valid on the day you were stopped. If it wasn't valid you will be summoned to court.

DidYouSquirt?

Not to hi jack the thread but do the guards have access to information like weather you have vaild insurance by searching your reg / policy number on the computers?

I know somebody who pays first month and lets the company cancel the policy, keeps the disc and seems to get away with it :mad:

Marcusm

Voodoomelon wrote: »

They ring drivers "supposed" insurance companies all the time on the UK cops shows on the side of the road. Road Wars, Police Interceptors etc etc.

They shouldn't need to as they would use the Motor Insurers' Database which is supposed to be updated nightly; the info is also available to sell - a few years ago there was an adaptive billboard (i.e. one that can change message) on the Westway in LOndon which would scan oncoming cars and flash up a message relating to insurance renewal date. Was taken down swiftly following negative publicity.

Mr Simpson

Marcusm wrote: »

They shouldn't need to as they would use the Motor Insurers' Database which is supposed to be updated nightly

They just double check to make sure. On another note, surely it would make sense to have a database in Ireland. Afaik, the only way the guards anpr will notify them of lack of insurance, is by the insurance expiry date that is received when motor tax is obtained.

DaveD

DidYouSquirt? wrote: »

I know somebody who pays first month and lets the company cancel the policy, keeps the disc and seems to get away with it :mad:

Report him/her - Insurance confidential

All Insurance companies now upload on a daily basis to the Gardai's system for ANPR, so they have all up to date info.