MSE News: Now you must have car insurance

wealdroam

jago25_98 wrote: »

I think it might be easier to use a foriegn registered vehicle instead instead of SORN and re-register 6 times a year as I join and leave the country.

A good idea enforcing insurance but do the insurance industry deserve it. They already won't provide cover for anything but mainstream situations. We're still having trouble finding insurers to insure some cars, some drivers and also there's inflexibility over periods of when people are insured; for example, I have to pay for a years insurance even though I'm here 3 months in the year.

Perhaps a non profit charity should be setup for people the insurance companies won't touch for that critical mass of people to form the (not sure if this is correct) the £100,000 minimum bond required to recognise an insurance company.

In practice does this wipe out my plan of using short term insurance?

Is the SORN & re-register procedure quick and efficient enough to cope with seasonal differences?

If you "have to pay for a years insurance even though I'm here 3 months in the year", then why not pay for a years insurance and get a years cover?

Then you can come and go as often as you like.
You can send the tax disc back for refund and SORN the vehicle, if you want to... or not if you don't want to.

In other words, this new law should cause you no problems.

fatbaldingoldgit

paddedjohn wrote: »

why cant she get insurance until her theory test? lots of riders get their cbt first and get insurance no problem.

We simply haven't found any insurance company willing to insure her until she has passed her CBT...not even at silly money..I agree they should but even though she is not, how shall I say, in the first flush of youth...we can't get her insured....

Andy_L

reflex22 wrote: »

So.... my taxed car, with valid mot, at the side of the road, that i am not driving due to illness, is going to jump out and cause an accident or injury resulting in the requirement to pay compensation?

It could spring a fuel leak & catch fire, unlikely but possible.

However needing insurance in those circumstances is not new, only that they're now more likely to catch you

kenny62

wife bought another car yesterday changed over insurance from previous car,we still have the other car it is taxed & moted, we have put it at side of the house For sale ,The new laws a bit comlicated can we be fined now ? or only after the 20 th june ?
can someone clear this up ? thanks

miller

kenny62 wrote: »

wife bought another car yesterday changed over insurance from previous car,we still have the other car it is taxed & moted, we have put it at side of the house For sale ,The new laws a bit comlicated can we be fined now ? or only after the 20 th june ?
can someone clear this up ? thanks

When the new law comes in if you have not sold the old car you will need to SORN it.

As mentioned on here, that will then cause hassle for the new owner.

In fact thinking about it: this law is going to help garages out because the part exchange route now appears easier in terms of the paperwork.

King_Nothing

fatbaldingoldgit wrote: »

We simply haven't found any insurance company willing to insure her until she has passed her CBT...not even at silly money..I agree they should but even though she is not, how shall I say, in the first flush of youth...we can't get her insured....

They shouldn't really, I seriously doubt you'll find anyone willing to insure her without a CBT, being as it's the first thing you need to ride a 125 on the road legally.

Arg

What about not riding it but leaving it there so it's ready for when she has passed her CBT or what about people looking after a bike but don't ride one themselves.

Andy_L wrote: »

It could spring a fuel leak & catch fire, unlikely but possible.

Or maybe it could become self aware and go on a killing spree.:rotfl:

paddedjohn

miller wrote: »

when the new law comes in if you have not sold the old car you will need to sorn it.

As mentioned on here, that will then cause hassle for the new owner.

In fact thinking about it: This law is going to help garages out because the part exchange route now appears easier in terms of the paperwork.

dont forget, when you sorn your vehicle for having no insurance, you alsop have to return your tax disc for a refund so any new owner will have the hassel of retaxing the car and insuring it even before they can have a test drive.

luckymannn

miller wrote: »

When the new law comes in if you have not sold the old car you will need to SORN it.

As mentioned on here, that will then cause hassle for the new owner.

In fact thinking about it: this law is going to help garages out because the part exchange route now appears easier in terms of the paperwork.

Yeah so if someone comes along today, and wants to buy his old car with cash today, they won't be able to drive it away there and then because it will be SORNed and possibly have no tax if the seller has sent it off for a refund?

lisyloo

So.... my taxed car, with valid mot, at the side of the road, that i am not driving due to illness, is going to jump out and cause an accident or injury resulting in the requirement to pay compensation?

The handbrake could fail, it could catch fire or a thief (without assets) could cause damage with it.
So YES.