MSE News: Now you must have car insurance

darich

TheSaaSBroker wrote: »

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.

In my 20 years plus of driving I've never seen a policy that allows me to drive another car provided it has it is insured by the vehicle owner.

Besides, as I read the article, it means that no vehicle will be uninsured unless SORNed so that means in answer to Simon949's question the answer should be "it's not possible."

If a vehicle is SORNed it's off the road. No tax, probably no insurance and illegal to be on the highway.
If the continuous insurance idea is in place then a car must be insured at all times, unless SORNed, so Simon949 can never drive his friend's car which is uninsured in the drive but insured when borrowed - that would be breaking the law according to the continuous insurance idea.

seven-day-weekend

This is already the law in Spain and there is no SORN equivalent. If you have a vehicle it must be insured, even if it spends all its ife in the garage.

I personally don't think it will cut down on uninsured drivers. They will just drive it uninsured like they always have done.

JPS29

Anyone know how this will affect traders insurance. I have a policy with equity red star and unlike the tradex one previously which I could update the MIB myself for this one I need to ring/email the broker for each one, and it can take 72 hours t show insured. Where would I stand with this?

luckymannn

If you keep an uninsured car locked up in your garage for lets say a month, how will they catch you?
have i missed something here?

seven-day-weekend

luckymannn wrote: »

If you keep an uninsured car locked up in your garage for lets say a month, how will they catch you?
have i missed something here?

You officially SORN it, i.e take it off the road until such time as you insure it.

I presume if you have no insurance and no SORN it will be on the records.

mikey72

lilac_rainbow wrote: »

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:

Won't touch her at all. She'll carry on as before.

It'll affect you when you come to change your car though, if you buy or sell privatlely, as when you buy the new one, and change the insurance over, you'll have to sorn the old one, so no one can test drive it, or drive it away after they buy it, without changing their insurance, and waiting to get the tax disk through, after you having to do the same for the one you just bought.

luckymannn

Ah right so I did miss something then...
I assumed people were going to get caught out by cameras and the police.
but people are actually caught out behind the scene by records/databases.

miller

Quite a lot of terraced housing in the UK without off-road parking. Owners might be forced to dump vehicles in car parks and SORN them if they have problems arranging cover.

Rover_Driver

That is one of the problems with this scheme, if the car park is not considered to be a 'public road' within the meaning of the Vehicles Excise & Registration Act 1994, it may correctly be SORN instead of licensed.

However, if the car park is considered to be a 'road or other public place' within the meaning of the Road Traffic Act 1988, it is required to be covered by insurance - despite the SORN.

paddedjohn

rover_driver wrote: »

that is one of the problems with this scheme, if the car park is not considered to be a 'public road' within the meaning of the vehicles excise & registration act 1994, it may correctly be sorn instead of licensed.

However, if the car park is considered to be a 'road or other public place' within the meaning of the road traffic act 1988, it is required to be covered by insurance - despite the sorn.

why is this a problem? If the car is not insured then it must be sorned and stored on private land.