car seizures by police for no insurance

Wig

Joe_Horner wrote: »

I'm basically on your side here, dacouch

Note that I ONLY mentioned that in connection with invalidating "own loss" insurance (fire / theft / own car damage), which isn't covered by the RTA and so can have any conditions applied contractually as long as they don't amount to unfair terms under contract law.

I'm not sure you understand,

An insurer cannot withdraw cover for 'own loss' as you put it, on any of the following even if the policy specifically mentions these as conditions of cover:

Having no MOT
Driving without MOT
Having no Tax disc
Driving without tax disc
Driving whilst SORN

These would all be totally unenforceable.

dacouch

Jamie_Carter wrote: »

It was actually a broker

Your broker (I;m guessing it's Swinton) knows as much about Insurance as you do.

Ring them and ask them where in an Aviva Policy that it states

a) the other other vehicle must be insured
b) the policy is void if the car is not "Legal to be on the road"

You / he can view an Aviva Policy wording from here http://broker.aviva.co.uk/products/personal/motor/private-car.html#documents see if either of you can find these (They don't exist)

Tilt

dacouch wrote: »

Your broker (I;m guessing it's Swinton) knows as much about Insurance as you do.

Ring them and ask them where in an Aviva Policy that it states

a) the other other vehicle must be insured
b) the policy is void if the car is not "Legal to be on the road"

You / he can view an Aviva Policy wording from here http://broker.aviva.co.uk/products/personal/motor/private-car.html#documents see if either of you can find these (They don't exist)

Actually one of them does as it states;

To assist with a more efficient quotation service, please check that your client meets the following criteria. If the risk does not meet any of these assumptions please advise our staff when you call for a personal quote.

• Your client’s vehicle is UK registered, road legal and normally kept in the UK, excluding Northern Ireland.

dacouch

Tilt wrote: »

Actually one of them does as it states;

To assist with a more efficient quotation service, please check that your client meets the following criteria. If the risk does not meet any of these assumptions please advise our staff when you call for a personal quote.

• Your client’s vehicle is UK registered, road legal and normally kept in the UK, excluding Northern Ireland.

That's not actually in the Policy so has no legal standing and would refer to being UK registered etc.

As has been mentioned before, an Insurer cannot decline a claim for your car not being road legal in the sense of not having tax, mot being sorned etc. This is due to FSA rules, Ombudsman Rules and more importantly the Road Traffic Act which does not allow it by Law

Tilt

dacouch wrote: »

That's not actually in the Policy so has no legal standing and would refer to being UK registered etc.

As has been mentioned before, an Insurer cannot decline a claim for your car not being road legal in the sense of not having tax, mot being sorned etc. This is due to FSA rules, Ombudsman Rules and more importantly the Road Traffic Act which does not allow it by Law

But you asked; "see if either of you can find these (They don't exist)" in the link you posted and i'm merely answering your question.

C_Mababejive

Havent read all the posts but just as a principle,the car IS the OPs property since presumably he bought and paid for it.

Can anyone point out the law which allows the police to take your property and destroy it?

Should we let TV inspectors steal your wide screen telly and trash it just because you dont have a licence?

Roll a bulldozer over your house if you dont insure it or pay your mortage..hoof your chattels out on the street?

Apart from the moral aspect of it,it is an incredible waste of resources to crush something and dispose of it in this way.

Tilt

C_Mababejive wrote: »

Havent read all the posts but just as a principle,the car IS the OPs property since presumably he bought and paid for it.

Can anyone point out the law which allows the police to take your property and destroy it?

Should we let TV inspectors steal your wide screen telly and trash it just because you dont have a licence?

Roll a bulldozer over your house if you dont insure it or pay your mortage..hoof your chattels out on the street?

Apart from the moral aspect of it,it is an incredible waste of resources to crush something and dispose of it in this way.

http://www.legislation.gov.uk/ukpga/1988/52/section/165A

https://www.gov.uk/vehicle-insurance/uninsured-vehicles

redrabbit29

helpmeplz11 wrote: »

Hi can anyone help advise me of the cheapest way plz

:j

Talk about being brain dead.

If you want help then maybe you should string a few sentences together and actually bother to explain the issue and what help you require.

C_Mababejive

Tilt wrote: »

http://www.legislation.gov.uk/ukpga/1988/52/section/165A

https://www.gov.uk/vehicle-insurance/uninsured-vehicles

Thanks..clearly flawed legislation and one wonders how it ever got passed.

Joe_Horner

Wig wrote: »

I'm not sure you understand,

An insurer cannot withdraw cover for 'own loss' as you put it, on any of the following even if the policy specifically mentions these as conditions of cover:

Having no MOT
Driving without MOT
Having no Tax disc
Driving without tax disc
Driving whilst SORN

These would all be totally unenforceable.

That may well be so under FSA rules - I don't have much to do with those so completely unquaified to comment - but from the law's POV, the RTA only precludes invalidating the legal minimum.