Uninsured vehicle - insured driver?

TooManyPoints

Unless it is covered under an "any vehicle" policy, every vehicle must be covered by a policy which identifies it by its registration mark. Failure to do so will see action taken against the Registered Keeper and the offence of "Keeping" a vehicle without such insurance carries a maximum fine of £1,000 (but no endorsement).

facade

Car_54 wrote: »

What have trade plates to do with insurance?

Trade plates allow a trader to drive a vehicle on the road untaxed, and unregistered to him/her so no SORN offence would be committed. There would have to be trade insurance when the plates were issued.

ReX

Thanks everyone for the answers.

The car in question results uninsured but taxed. As I don't know the identity of the driver, I cannot say if he is covered by an any vehicle insurance. Is there any other way to check if the vehicle is covered under by a "any vehicle" policy?

Alternatively, is it possible to report a taxed vehicle without insurance (or it is perfectly fine to drive and park the car)?

I am about to complain to my local Councillor, as missile suggested (I think it is the only option left).

foxy-stoat

ReX wrote: »

I am worried by the fact that a reported crime is not leading to any action

I wouldn't worry, I reported someone who knifed someone else and nothing was done about it.

Lots of uninsured vehicles are driven about on a daily basis, unfortunately more effort is made by the DVLA to issue fines for no VED than the police's effort to find and catch uninsured vehicles.

Ms_Chocaholic

I've a friend who got six points on their policy for (unknowingly) driving a car with no insurance despite her having her own insurance policy. Her partner told her that his friend's car was insured but it wasn't. Surely that's the case here too.

busybee100

I've been told the same thing by many brokers and underwriters. The car must always be insured, even if it's under a jockey or motor industry policy. I've just spoken to direct line, they deny, under their policies, that it's legal to drive a car owned by someone else if the car is not already insured.

Carrot007

busybee100 wrote: »

I've been told the same thing by many brokers and underwriters. The car must always be insured, even if it's under a jockey or motor industry policy. I've just spoken to direct line, they deny, under their policies, that it's legal to drive a car owned by someone else if the car is not already insured.

I assume that was somone with a clue rather than the goons you get calling up (this includes the "managers" which is probably the person next to him pretending (not that real managers in such call centre's know anything either, off script and you are just thorwing the dice to get an answer))).

ReX

Quick question: as the repair is going to be around 200GBP, one car body repairer suggested I pay for it, to avoid a premium increase next year.

I have now two options:
1. pay for the repair and withdraw the claim
2. let the insurance pay in full (uninsured driver promise)

My insurance is unable to tell me if next year my premium will increase but they mentioned that in case 1 it shouldn't or at least should be less.

I understand that even if I withdraw the claim there is still a record of the accident, but it will be with 0 claim.

In both cases the non claim bonus is not affected as it is a no fault accident.

I am not familiar with the UK insurances, what do you suggest?

shaun_from_Africa

busybee100 wrote: »

I've been told the same thing by many brokers and underwriters. The car must always be insured,

There is nothing whatsoever on my certificate of insurance, in my policy documents or on the website of my insurer (Aviva) that states that when using other vehicles, they must be covered under their own insurance.
There are lots of conditions stated but the requirement for the car to be insured in its own right isn't one of them.

busybee100

Thank you to all those who have responded to my post, I would like to get in touch with someone who can arrange this kind of insurance, even the bespoke brokers and underwriters have said it's not possible. Please PM me with any contacts you have.


Sorry to hijack your thread ReX.