I doubt if the NHS will pay 'fines' for missed appointments.

Mr Worried - would/should your original insurers be obliged to inform you that your policy with them had been cancelled? If so and they failed to do that you may be able to issue a claim against them for the cost to recover your vehicle. I hope others on here can give you advice on this question - until them I hope I have not given you false hope. How long a timeframe between your policy being cancelled and the knock on the door? If not too long, you may be able to prove that you have not driven the vehicle without insurance - if say a month, this could be almost impossible to prove in court.

Copy sent - strange that this should happen when renewing my policy with Hastings, but not last year when I first took out the policy with them.

Thanks or the replies all - I have never been asked to show any other documents when applying for car insurance before, and was curious as to why the insurers would need to see a V5---I had no idea that the length of time I owned a particular car would effect the premium...you learn something new every day. It does lead me to think about what would happen to my premium if I decided to buy a newer model.

Many thanks HB.

I have just renewed my car insurance (with Hastings Direct). I got a letter today skin me to send them a copy of my V5 to prove that I have owned my car since 2005 as stated. I cannot see the logic behind this for a number of reasons: They did not ask to see it last year The value of my car will not change depending on how long I have owned it My premium is not affected by how long I have owned the car Is this necessary? Why do they want it? Can I refuse?