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#463609 - 19th Jan 2011 4:08pm Forgotten the insurance? Your car could be seized
kimpri Offline

Forum Guardian

Registered: 29th Oct 2008
Posts: 3553
Loc: birkenhead
Motorists will need to keep their insurance policies up to date if they don't want to fall foul of a new law that could land them with a 100 fine - and even the loss of their car.

Thousands of drivers risk having their cars clamped and seized in their driveways under tough round-the-clock insurance rules which will come into force this spring.

Ministers say the crackdown - which includes automated 100 fines through the post - is designed to tackle more than a million uninsured rogue drivers.

Read more: clicky
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#463611 - 19th Jan 2011 4:13pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
polo_phil Offline

Forum Master

Registered: 9th Jan 2009
Posts: 3080
Loc: Birkenhead
This is going to be a pain in the arse if you buy a new car and have the old one on the drive waiting to be sold with no insurance but taxed as it's easier to sell taxed...

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#463637 - 19th Jan 2011 5:45pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
raymondo Offline
Wise One

Registered: 16th Sep 2009
Posts: 806
Loc: upton
i thought a vehicle had to be on the road to have to be insured goverment taking the piss again
so i can have a car with no tax or mot but it has to be insured what is that going to stop?

ah just read it on there site your ok if it is on a sorn but again how will this stop uninsured drivers?


Edited by raymondo (19th Jan 2011 5:50pm)

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#463648 - 19th Jan 2011 6:57pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
DavidB Offline
Wiki Guide

Registered: 7th Dec 2003
Posts: 5608
Loc: Bebington, Wirral
If your car isn't insured, it has to be sorned. Simple! That's all they're saying, the law hasn't really changed, they're just attempting to get more money out of it now.
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#463679 - 19th Jan 2011 8:48pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
kamikazi Offline
Smartchild

Registered: 12th Jul 2010
Posts: 493
Loc: Wallasey
I visited Merseyside Police HQ last year (as a guest, not arrested I hasten to add) and saw the NMPR system, this system is incredibly accurate at doing immediate checks automatically on vehicles that pass the cameras, it gives a signal when it finds a car registration with no insurance, tax etc. This system is also fitted to the patrol cars, they will always find a way of making you pay tax. K

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#463712 - 19th Jan 2011 10:21pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
jimbob Online   content

Forum Addict

Registered: 26th Nov 2008
Posts: 1550
Loc: Birkenhead
human error means mistakes are made due to insurance company's failing to pass on the info of insured cars fast enough. My sisterinlaw was stopped due to the sytem telling the squad car she was not insured when she had actual renewed her insurance 3 days prior to to renewal date and the date she was pulled was 5 days later.
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#463718 - 19th Jan 2011 10:50pm Re: Forgotten the insurance? Your car could be seized [Re: jimbob]
hoseman Offline
Forum Master

Registered: 30th Sep 2007
Posts: 2346
Loc: Bromborough
AND its up to YOU toprove it!!!! Been there myself!!! somad
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#463783 - 20th Jan 2011 8:21am Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
diggingdeeper Offline

Wiki Master

Registered: 9th Jul 2008
Posts: 10289
Loc: Birkenhead
Who has to have the insurance, the owner, the driver or the registered keeper?
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When the debate is lost, slander becomes the tool of the loser. Socrates

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#463788 - 20th Jan 2011 8:50am Re: Forgotten the insurance? Your car could be seized [Re: diggingdeeper]
bert1 Offline

Wiki Veteran

Registered: 27th Nov 2008
Posts: 7921
Loc: tranmere
How do cars on garage forecourts go on ?, i know they have trade plates to drive them on the road, do they have actual car insurance and all that it means when sitting on a forecourt or in a showroom?
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#463822 - 20th Jan 2011 10:23am Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
StuyMac Offline

Wiki Master

Registered: 24th Nov 2003
Posts: 12002
Loc: Wirralshire
Bert, trade plates cover Tax, so they still need to be MOT'd.

Trade insurance generally covers all the cars a trader owns. Depending on the policy the number of cars can be limited, it can also be unlimited by number of cars, but limited by valve of the vehicle.

All the cars are also covered for theft, but this is usually a pre-designated location, usually the forecourt.
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#463831 - 20th Jan 2011 10:39am Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 16023
Loc: New Brighton
My trade policy covers an unlimited amount of sales cars upto the amount of 35,000 and 30 of my own cars.
My boss has trade plates but still gets the odd fine here and there for not sorning the forecourt vehicles.
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#463832 - 20th Jan 2011 10:42am Re: Forgotten the insurance? Your car could be seized [Re: StuyMac]
bert1 Offline

Wiki Veteran

Registered: 27th Nov 2008
Posts: 7921
Loc: tranmere
Originally Posted By: StuyMac
Bert, trade plates cover Tax, so they still need to be MOT'd.

Trade insurance generally covers all the cars a trader owns. Depending on the policy the number of cars can be limited, it can also be unlimited by number of cars, but limited by valve of the vehicle.

All the cars are also covered for theft, but this is usually a pre-designated location, usually the forecourt.


happy
_________________________
God help us,
Come yourself,
Don't send Jesus,
This is no place for children.


Bertieone.

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#463874 - 20th Jan 2011 11:39am Re: Forgotten the insurance? Your car could be seized [Re: diggingdeeper]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Originally Posted By: diggingdeeper
Who has to have the insurance, the owner, the driver or the registered keeper?

The car has to be insured, so it could be either or all. However, the person driving the vehicle has to be insured to do so. The car must also, legally, be insured in the name of the primary user of the vehicle, though proving otherwise is technically difficult, but some insurance companies have been known to hire private detectives to prosecute and/or invalidate the insurance of "fronters" as they are known (where someones dad for instance, gets insured on a high-value and/or powerful car, at a fraction of the price of the son/daughter, and then either adds "any driver" or names the son/daughter as a named driver to the insurance policy (for little, or nothing extra - it cost me nothing extra to add the "any driver" option to my insurance), but never uses the vehicle as its the son/daughter who primarily uses it).

Basically, you can own a car, be the registered keeper, and never use it or get insured on it, but the person driving it, must be. And the database does not discriminate or link the registered keeper to the insured person (at present), however if you are pulled, the police do check the person driving, is insured to be driving the vehicle.

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#464008 - 20th Jan 2011 3:51pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
BandyCoot Offline

Forum Veteran

Registered: 7th Dec 2008
Posts: 5360
Loc: Birkenhead
If you inform the DVLC you're still ok according to the bloke I heard spoutinng about it. We'll see.
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#464016 - 20th Jan 2011 4:03pm Re: Forgotten the insurance? Your car could be seized [Re: kimpri]
paranoidballoon Offline
Smartchild

Registered: 23rd Feb 2008
Posts: 466
Loc: prenton
If it has got a SORN it is ok

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