i would imagine, in these circs too something similair may arise
youve taken the insurance, received the certificate, and arranged for payment by card/direct debit, and thought nothing more.
cis do not take the payment, now again, another technicality, service procured without payment
as a result, cis do not process the schedule, and send a message to the central register to say there is no insurance on the vehicle in question
you get stopped, a check is done, and you are processed for no insurance, quite rightly i may add because of the information available to the officer, who also issues a producer (HORT/1).
on the ticket there is an appeal process, you follow it, and at the magistrates hearing make you mitigation, with hopefully a letter from CIS to back up the reason why you "dont have cover", or will allow time for you to obtain it.
it is labourious, and unfortunatly actually producing the dox at roadside may not be enough to avoid the hassle there and then of receiving the ticket, all i can say is, the officer roadside can only act on what they can see and the info available, there is a degree of discretion, but that is their decision, not the motorists (one day i'll tell you the story!). it would have been better if the third party (cis) had got it right, in the first place.
