We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
MSE News: Now you must have car insurance
Former_MSE_Helen
Posts: 2,382 Forumite
This is the discussion thread for the following MSE News Story:
"The Continuous Insurance Enforcement scheme makes it an offence to keep an active, uninsured vehicle. Under the previous law, you only needed cover when driving ..."
"The Continuous Insurance Enforcement scheme makes it an offence to keep an active, uninsured vehicle. Under the previous law, you only needed cover when driving ..."
0
Comments
-
test. some users have reported problems replying to this thread. fine for me . Please feel free to delete my post admin.
https://forums.moneysavingexpert.com/discussion/3243082
^^BLOODBATH IN THE EVENING THEN? :shocked: OR PERHAPS THE AFTERNOON? OR THE MORNING? OH, FORGET THIS MALARKEY!
THE KILLERS :cool:
THE PUNISHER :dance: MATURE CHEDDAR ADDICT:cool:0 -
More money grabbing from the Governemnt?
Still, not going to affect me, as always shop around prior to expiry of insurance, so never any gapNewbie :j0 -
Once everyone gets insurance, I somehow doubt the insurers will pass the £30 saving - the amount we have to pay extra because of the uninsured drivers' antics.0
-
It was dreamt up by insurers so it is they who will scam us more. Of course the government will make on it as well :mad:Blessed are the cracked for they are the ones that let in the light
C.R.A.P R.O.L.L.Z. Member #35 Butterfly Brain + OH - Foraging Fixers
Not Buying it 2015!0 -
I am glad because at least if I am in an accident there is more chance of the other person being insured (or I hope so).0
-
It makes sense and anything that helps to get rid of the uninsured drivers can only be good.
My immediate question is what if i was to borrow a 'spare' car from a friend? mt insurance will cover it when i am driving but what about when i'm not in the vehicle? if he doesn't have it insured because he doesn't use it normally, is it then an offence when i'm away from the car. would this mean I would have to transfer it onto my insurance so they can then charge me extra?0 -
It makes sense and anything that helps to get rid of the uninsured drivers can only be good.
My immediate question is what if i was to borrow a 'spare' car from a friend? mt insurance will cover it when i am driving but what about when i'm not in the vehicle? if he doesn't have it insured because he doesn't use it normally, is it then an offence when i'm away from the car. would this mean I would have to transfer it onto my insurance so they can then charge me extra?
@simon
Forgive me if i have this incorrect, its possible the wording of insurance companies may differ across providers so please do check your own very carefully.
In my experience the ability to drive a "Friends" car, on loan. Is permissible with the permission of your "Friend", Your insurance policy allows it, you hold a fully comprehensive policy, and most importantly, the vehicle is also insured by the vehicle owner.
Also i understand, unless otherwise stated in your policy, the level of cover you are entitled to while driving said vehicle is 3rd party only.
In light of the recent change in law i'm not sure your example will ever occur because your friend will now need to have his/her vehicle insured at all times, this in turn means you are covered by your own policy agreement. If your friend wishes to declare the vehicle SORN (Off the road) then you are NOT legally allowed to drive that vehicle and your insurance policy will be null & void.
Unless i am mis-understanding your statement?0 -
This will do little or nothing to stop "repeat offenders" who can pick up a car on it's last legs from an auction for a couple of hundred pounds and drive it uninsured,and probably untaxed without bothering to even register it in their own name. If they get caught the car gets confiscated and destroyed but the cost of replacing the car would be far less than the cost of insurance if they get away with it for even a month or two. A quick trip to the car auction and they're back on the road again.
Another well thought out plan by the government."A nation of plenty so concerned with gain" - Isley Brothers - Harvest for the World0 -
TheSaaSBroker wrote: »@simon
Your insurance policy allows it, you hold a fully comprehensive policy, and most importantly, the vehicle is also insured by the vehicle owner.
It would depend on your policy wording, some insurance companies require that the vehicle owner has insurance, some don't.
I'm not sure how this fits in with the new insurance regulations where it is the registered keeper that commits the offence, not necessarily the owner - s.144A R.T.A.1988.0 -
Will this change in law mean the penalties are harsher for people who drive uninsured vehicles?
People who drive without insurance do so intentionally, they know are breaking the law and hopefully, the application for a SORN notice will make it easier to police. Perhaps it could tie in with tax-disc checks already in place.
I met a woman once who gloated about driving a people carrier on the school run on her own, with a provisional license, no tax and no insurance :eek::eek:0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.8K Banking & Borrowing
- 253.8K Reduce Debt & Boost Income
- 454.6K Spending & Discounts
- 245.9K Work, Benefits & Business
- 601.9K Mortgages, Homes & Bills
- 177.7K Life & Family
- 259.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards