Topic: Step out of the car!

[Bedsit Bob]

Ever wondered why the police tell you to get out of the car, when they pull you over?

They never used to do that. They used to speak to you through the drivers window.

I think I've figured out the reason for the change.

They don't want the encounter recorded on your Dashcam.

[nontvtaxpayer]

There is no legal obligation to exit your vehicle on a roadside vehicle stop. check crimebodge vids

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[Bedsit Bob]

I'm aware of that, but I believe getting out of sight and hearing of the Dashcam, is why they want you out of the vehicle.

[Coat hanger]

If ever get stopped the ignition key is coming out and being stashed. If stopped on a live motorway such as a few years ago I’ll stop to comply with section 163 RTA then explain that this is the most dangerous of places to be right now I’ll see you at the next available safe spot such as just off a slip road or the next services.

[jimspurn]

Ever wondered why the police tell you to get out of the car, when they pull you over?

They never used to do that. They used to speak to you through the drivers window.

I think I've figured out the reason for the change.

They don't want the encounter recorded on your Dashcam.

Then take your other recording device with you.

The last stop I had was on a motorway back in 2017 for 'No insurance' in the early hours, - while driving a two month old company car - the company insures its own vehicles so didn't put it on 'MID', but I was unable to confirm Insurance because of the time, they checked the car was registered to large company, my works ID and DL proved who I was.
 
But plod didn't understand this, his view was it's not in the computer and I have targets, so instead of being given a 'HORT1 notice to produce' I was asked to sit in the back of their car for for about thirty minutes on a busy M62 near Leeds, I started to think they thought they had cocked up.

I was threaten with the car being seized, me being arrested, etc. - 'I don't give a toss about the car - it's not my car officer, it's insured' finally they gave me a HORT1 producer, they then left me to drive off.

I then took the works emailed PDF to a Police Station later that day, No, they wanted 'PAPER' copies of the insurance certificate, I went to the print them out took them back, the Desk plod wanted the 'Originals' to look at, I explained that there was zero chance of that happening because it was an trade 'Open certificate', he left to go to speak to some more 'senior' came back, OK, I can go......

So, a big thank you to the West Yorkshire Police for proving some real jobsworths exist in the Police.




 

[Bedsit Bob]

the Desk plod wanted the 'Originals' to look at

There are no "Originals" nowadays. Certificate are downloaded and printed off by the policyholder.

I haven't had a proper "original" Certificate in probably 10 years.

[jimspurn]

If ever get stopped the ignition key is coming out and being stashed. If stopped on a live motorway such as a few years ago I’ll stop to comply with section 163 RTA then explain that this is the most dangerous of places to be right now I’ll see you at the next available safe spot such as just off a slip road or the next services.

That's the approach I would take now, but with an increasing number of smart motorways that use the hard shoulder as a driving lane, yes I know ERA
are available every 1.5 miles or 2.5Km, I would use one if available, then I would insist that they should contact Highways England who will close a lane or slow the traffic nearby to allow you to rejoin safely.

I wonder how many times that happens....

[jimspurn]

There are no "Originals" nowadays. Certificate are downloaded and printed off by the policyholder.

I haven't had a proper "original" Certificate in probably 10 years.

Agreed, I suspect old skhool plod making his mark.
My current certificate is a badly formatted PDF from CoOp

[Bedsit Bob]

My current certificate is a badly formatted PDF from CoOp

I'm with Hastings and, to be fair to them, even when I print it on my cheap laser printer, the quality is pretty good.

[jimspurn]

I'm with Hastings and, to be fair to them, even when I print it on my cheap laser printer, the quality is pretty good.

I will be seeking a new insurer in Feb, Co-Op and it's uninterested Customer Service stinks.
I needed to add a new 27 YO female with clean licence in August last year, it took a few attempts to add them correctly, different surname and address, but related to me.

[Bedsit Bob]

Hastings have been pretty good for me, but ultimately, as with everything, I guess it comes down to price.

[jimspurn]

Hastings have been pretty good for me, but ultimately, as with everything, I guess it comes down to price.

To be honest Bob, I'm fed up to the back teeth with insurance companies that chase new customers purely on price on these comparison web sites, but don't seem to give a damn, other than charging lots for it -
when the customer wants small changes to the policy.

I will take a look at Hastings, thanks.

[hunny1234]

I am also with Hastings. I shop around every year and they were the cheapest last year AND this year - unlike many companies who just increase your renewal cost and hope you won't notice or bother to compare. (Though I am aware of the new transparancy at renewal rules which started in 2017). The policy is quite good too - desppite being the cheapest, I have 3rd party cover in other vehicles and vandalism cover which does not affect NCB.

[nontvtaxpayer]

Vehicle insurance is a monopoly, because it is a legal requirement, Boat insurance in the UK is NOT a legal requirement, and one of the first benefits you notice is an agreed valuation, in the event of a total loss claim they pay, in most cases the purchase price and any upgrades you may have undertaken,allowing you to replace your vessel on a like for like basis, vehicle insurance by stark contrast pays what the insurer deems to be the market value and most of the time uses "trade" values not retail values, having said that I note some vehicle insurers now offer a replacement vehicle, or pay more towards an upgrade, but this is not common practice.

[jimspurn]

I am also with Hastings. I shop around every year and they were the cheapest last year AND this year - unlike many companies who just increase your renewal cost and hope you won't notice or bother to compare. (Though I am aware of the new transparancy at renewal rules which started in 2017). The policy is quite good too - desppite being the cheapest, I have 3rd party cover in other vehicles and vandalism cover which does not affect NCB.

I was with Co-op before I moved to Lincolnshire in July last year and despite the post code is in a lower crime area and the car is in a locked garage with alarm and CCTV and I do less than 8,000 miles a year.
they wanted more than £200 extra, no clear reason was given, I complained and they offered it for £100 and a £25 admin fee. 
Guess I won't be using them again. 

So two votes for Hastings, looking good.