Free Traffic Legal Advice

Hi Everyone I need some urgent help.
Caught by Thames Valley police with No insurance. They showeds me online MIB result.
Been sent a NIP dated 24 March 2026.
sent proof that i recived a "your Covered" email on 27 Dec from Saga.
Can send any copies if you want to see it.
Was calling them on 24 Dec to reduce my monthly costs to third party only.
Recieved "your covered email" on 27 Decand waited until 21 jan to renew my car tax. Figured that if old policy expierd on 16th Then when I updated applied on DVLA it would check MIB and issue tax if I passed.
Called saga to speak to agent that took my call. She has left the company. Lodged complaint with Saga. Asked them to produce voice recordings.When I spoke to agent.

Taking this to court but a 65 year old pensioner on universal credit. Very Worried as lawyers quoting me over £1300 just to write to thames valley and get the case dismissed before even going to court.
Need any help you can provide. Hear good things about this forum.

Regards
Mike

Hi To be accurate.

wanted to reduce my existing saga policy and called them on 24th dec 2025.then again on 27th dec 2025.
recived a "your Covered email on 27 Dec"

Stopped by Police on 23 March 2026. Showd me the MIB result showing no insurance.

Original Saga Policy Was third Party Fire & theft. Due to expire on 16 Jan 2026.
Called in december to reduce policy costs.
got an updated quote and called them back to accept it on 27 Dec.
MIB checked with Saga who profess no record of the renewal conversation. can private message you with saga email and copy of updated renewal quote.
got re[ply from police on further invetigstion with MIB. can send that separately.

Regards
Mike

Was on a Direct Debit. Monthly and renewal quote stated:
One, two, renew
You pay by Direct Debit so unless those details have changed your policy
will renew automatically. If you do need to change your payment method,
please go to saga.co.uk/mypolicy or call us on 0800 904 7908 at least five
days before 16 January 2026.
1. Check the Schedule. Any changes or mistakes? Then please let us know
or correct them.
2. Please keep these documents somewhere safe, along with the policy
book we previously sent you – please let us know if you need a new one.
Remember you can review and change your details 24/7 after renewal at

On saga Site it states:
How do I renew my policy?
You will be sent a renewal invitation at least 21 days before your renewal date. Your renewal invitation will then also be available for you to review and renew for home and motor policies on MySaga. If you pay by Direct Debit or set up a continuous payment when you took out your policy, don’t worry we will automatically renew it for you.

Kicked myself for not checking if Feb 2026 paymwnt had gone out DD still in place.

Looked at renewal quote and can send it

Road tax expired on 31 Dec 2025. Long Car MOT Fix meant could not renew tax until 21 Jan. (Took that long to get part from germany)
Will send your car tax confirmation. on private message + anything else you need- also sent saga renewal letter

No Feb payment did not go out. But no email to say any dd issue. No letter either.

Apologies NewJudge for the 'dumb' rating - fat fingers and now I can't undo it!

In that case why was the February payment not taken? How about the March payment? Don't waste your money on lawyers, the court outcome will be the samel