Page 854 - Driving Ban Simulation 1

PARTICULARS OF THE CHARGE - 14th November 2013 at Brixton Hill
Police approached and said enquiries re no insurance, SC explained problems insurance not showing up on
the MOTOR INSURANCE DATABASE
Call made to SC insurance broker Broadshaw. Police not happy with this. He made phone calls to KGM
stating that there were lots of tools in the vehicle.
PC Geoghan Metropolitan Police. Clarify limitation on use MT3574694.
S Cordell call from police 141113 Recording
Thank you for calling KGM introduction select correct dept from the
following:
Thank you for calling KGN accounts department to speak to an account handler please press 1
Female: Hello KGM
PC G: Hi there it is PC Geoghan from the Met Police I need to speak to someone about a policy of
insurance a gentleman claims to have with you
Female: Okay if you hold the line, I will pass you through to our underwriting department
Carl KGM: Good afternoon Carl speaking how can I help
PC G: Hi there it’s PC Geoghan from the Metropolitan Police I’ve got a gentleman stopped and he has
produced a certificate of insurance from KGM, and I just wanted to clarify some of the limitation on the use.
Carl: Okay do you have a policy number
PC G: Yeah, I do it’s MT3574694.
Carl: It’s a Motor trade policy. Yeah, I might have to forward you to another Department
PC G: Yeah sure
Jessica: Hi you have been passed through to Jessica from KGM how I can help
PC G: I have a gentleman here who has been stopped with an insurance certificate issued by KGM. I’ve got
a policy number and other details
Jessica: Okay I can see that from my screen
PC G: Basically, it says motor trade and SDWP and use motor trade purposes- Looking at vehicle it’s got a
load of tools in and they appear to be workmen doing sort of work odd jobs here and there. Is that something
motor trade would cover?
Jessica: No, he just covered for road trade, road risk only and SDWP and would not cover for any other
occupation
PC G: Okay right, right. He’s claimed he bought the vehicle today or yesterday and he’s not able to produce
any proof that he has done that
523,
Jessica: Rights
PC G: Err, does he have to notify you of any vehicles
Jessica: When a client purchases a vehicle, they have 14 days to make us aware. If they didn’t within 14
days, they don’t make us aware then they’re not covered but anything like this happened we do need proof
to show that he had only had it within the 14 days otherwise it would not cover it we need to obviously we
would not ask for proof normally but say if he has like pulled over now, we will ask because he could just
say he bought it yesterday or a week ago and we would still cover him.
PC G So it definitely does not cover him on the if he literally going around with tools in the van doing jobs
that is not something, he is covered for Jessica Certainly not
PC G: That’s not something he is covered for
Jessica: No certainly not
PC G Can I just get your name obviously for my notes
Name: Jessica Kempton DOB 02.02.1992
Phone: 0208 530 1822
Underwriting Department