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We understand that Mr Cordell was subjected to a number of Police stops during the policy
period whilst driving these vehicles. The stops were due to these vehicles not showing as
insured on the Motor Insurers Database (MID). We would confirm that it’s a requirement
for Motor Insurers to upload details of all insured policies & vehicles to the MID, the targets
set are 95% of policies to be on the MID within 14 days for Motor Trade policies and 95%
of vehicles to be on the MID within 21 days for Motor Trade. Accordingly we can note that
whilst this database is very effective, it’s not real time and not 100% accurate.

We have carried out an investigation to understand why Mr Cordells vehicles were not on
the MID leading to these Police stops. It has been established that there is a “bug” in our
system when copying and pasting a registration with a space in it into the policy record,
that results in an unsuccessful upload to the MID. It does not happen when we receive
data electronically or when manually inputting data and was something we were unaware
of until this case. We have of course changed our processes to prevent this occurring
again.

The unfortunate outcome for Mr Cordell of course was that it appeared to the Police that
he was driving uninsured and was subjected to unnecessary Police stops. This was not Mr
Cordells fault in any way as he had a valid Insurance policy in force and was fully insured
to drive these vehicles for the purposes permitted under this policy during the policy
period.

As stated above this policy was in force from 00.01 AM on the 23/2/13 and was in force
until Midnight on the 22/2/14. We have been asked to specifically confirm that it was in
force on the 14/11/2013 for both the Ford Zetec registration MA57LDY and the Ford Transit
registration CX52JRZ.

We trust this letter meets the requirements of the Police and the Courts. Should you
require any further assistance please do not hesitate to contact us.

Yours sincerely,

Mr Peter Wood
UK Specialty Operations Manager

KGM Motor Insurance T +44 (0)20 8530 7351 Registered in England and Wales No 01514453
KGM House F +44 (0)20 8530 8547 Registered Office Gallery 9 One Lime Street London EC3M 7HA
14 Eastwood Close T +44 (0)844 412 6412 Claims KGM Motor Insurance is a brand name for business written by
South Woodford F +44 (0)20 8530 7037 Claims Syndicate 260 which is managed by Canopius Managing Agents Limited
London E18 1RZ www.kgminsurance.co.uk Authorised by the Prudential Regulation Authority and regulated by the
UK www.canopius.com Financial Conduct Authority and the Prudential Regulation Authority

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