Stopped by police for having no insurance..

vaio

I was gong to suggest the employer’s vehicle get out that Dacouch posted but then thought it’s questionable whether what I assume is a domestic outing with wife & child falls into the “(b)that he was using the vehicle in the course of his employment” requirement.

I have similar reservations about a domestic outing qualifying as “at a time when the vehicle is being driven under the owner’s control”

Interesting as the debate on the intricacies of the RTA is, I’d be staggered if a leasing company let a car out without ensuring it had insurance cover so I think the OP has nothing to worry about.

bigjl

NeverAgain wrote: »

...No Police or Ambulance service vehicle in London carries an insurance certificate for example...

That's because they aren't insured in the usual sense.

A mate of mine was rear-ended by a police car on The Embankment and his claim was technically paid by the chief constable, in other words it came out of the force's budget.

As you say, there is no legal requirement to carry a paper certificate.

Their use is slowly dying out, some online insurers do not routinely issue them, although you can print one out.

Problems can arise because the MID, in common with all other databases, is not 100 per cent accurate.

There was a high-profile case a couple of years ago of a man who was left stranded with his family after police seized his car for no insurance.

He claimed the MID was wrong, but there may have been a bit more to it than met the eye because he didn't half milk the publicity.

Did it turn out he was running for election?

You are very far from correct there, the Police/Ambulance and even the Post Office used to have crown indemnity, they used to lodge a sum of money with the crown, a million pound I think it was, and this was used to pay for all the damage, anything left at the end of the year was returned.

This stopped a fair few years ago and we are now insured by normal Insurance companies, to the tune of severeal million a year and excess around the £5000 mark for Ambulances and apparently up to £10 or £15k for Rapid response units.

I assume the excess for the Police is much the same level, so it is actually a rare occurance for the Insurance to pay out, hence why the claims are very often paid for by the service concerned.

Every complex of two or three stations has access to the insurance certificate, as before MID we had to do producers in much the same way as everybody else.

bigjl

Gene_Hunt wrote: »

I'd be surprised if the Met have insurance.

What exactly are you babbling about now Gene, Crown Indemnity was stopped years ago.


Or do you enjoy making useless comments.

Yogibear

Gene_Hunt wrote: »

You could have accepted his word and let him go. Don't hide behind the old it's all recorded I had to do it that way.;)

aye right so all those eejits with no insurance try and con the police acting as if they are `good lads`we should let them off I would have took the car off him,what if he hit you or me,he wouldn't pay we loose our ncb `cause he thought he could drive his wife`s car:rotfl:

System

mikeh2000 wrote: »

With regards to not having to have your driving documents on you when driving, it's an offence not to be able to produce them to a constable when requested.

You didn't read post #52. That tells you where in the RTA it states that you have up to 7 days to produce it.

sharpy2010

Can't the police tell if you have insurance simply by checking their database over the radio waves?

Gordon_Hose

Usually they can, yeah.

bigjl

Freddie_Snowbits wrote: »

More Codswallop. My MOT is due in December, Tax due in July.
If this is an ascertation on the state of Clerical Departments of the NHS, I am afraid there is no wonder ...

STOP FREDDIE, you will end up with an extension to your YC

Think about it for a second you pillock, staff have no access to the vehicle documents. So the only thing we can check on our VDi is the Tax disc. As the Tax is still current then off you go.

The tax disc is free anyway, the vehicles are automatically taxed centrally, about 2 or 3 weeks before they need to be and the disc is then sent to complexes where the vehicle is based. Note that a reminder is sent to the fleet department at HQ.

The MOT is not checked centrally and is held on file at the complex where the vehicle is based, there is no reminder for the MOT expiry and it should be picked up by the fitters and the staff in the office. The vehciel should then be sent to the fitters about 3 or 4 weeks nefore the MOT expires and another cert issued, usually a 13 month one.


I take it you work for a company with almost 2500 vehicles, that are based all over London.

Not sure what your cars tax disc and MOT expiry date have to do with anything, but just for those who need everything spoon fed, this was a specific oversight due to the vehicle in question being involved in an RTC and due to a backlog of repairs at the bodyshop used for repairs the MOT and roadtax got out of synch.

Believe it or not, an NHS Trust such as the LAS doesn't park vehciels up with no tax, it is renewed automatically, a fairly sensible situation when you consider that roadtax for Ambulances and HNS vehicles is free.

bigjl

alastairq wrote: »

erm...yes there is.....however, as I noted above, concessions are applied,

simply because technology has apparently advanced, does not necessarily mean laws are changed to allow for this.

For example, just because one has a Satnav/GPS device in one's car, which may give out a true speed reading...does not absolve one from also having a working speedometer fitted to the car, and accurate to within certain parameters.

Insurers rely on the internet to reduce administration costs...either to promote lower premiums, or to increase profits.

The proviso has been noted..the Certificate can be downloaded and printed off.

It should be....after all, internet connections can be flimsy at best?

Why not just admit that you where wrong when you said it is a legal requirement to carry all your driving documents.

It may be a legal requirement in some other European countries but not in the UK as yet.

Which is one reason why so many foreign registered vehicles get away with not having insurance. They aren't on MID yet either. Hopefully they will be soon.

Exemplar

I got 6 x points and £450 fine in September 2007. The policeman was very very good about it as I 'assumed I was covered buying this new car under my existing policy'. It still got towed though.... Never mind, learnt from mistakes and now make double sure I am insuren in no matter what vehicle and always carry my insurance in my own cars.