Car Insurance Article Discussion

gracie10

I have just received this years renewal quote with admiral which has come out at £948 for my 2 cars on their multi car policy. This is £400 more than last year as I have a claim going through with them at the moment, is this normal practise until the claim has been finalised? I have 9 years no claims on the car in question, but can't really afford to pay out that much for the renewal when I know the accident was not my fault. Would be grateful for any advice please.

charlieheard

Steve_xx wrote: »

Does it have to be insured to be parked on the highway, or, does it have to be insured only if it's driven?

As far as I'm aware, it has to be insured to be on the public highway at the moment, even just parked

Steve_xx

charlieheard wrote: »

As far as I'm aware, it has to be insured to be on the public highway at the moment, even just parked

I don't think that's right, at the moment. I think that it can be parked but not driven at the moment, but as you say that may change in 2011. At the moment it is possible to park it on the road without insurance, but it must be taxed. However, in order to obtain a tax disc it must be insured and MOT'd!

Even when the new rules come in it appears that there is leniency:

From early 2011, if the database comparison shows that a vehicle has no insurance and no SORN, a letter will be sent to the registered keeper.

If the keeper takes no action, the keeper faces:

• a fixed penalty notice of £100
• court prosecution and a fine of up to £1,000
• having the vehicle clamped, seized and destroyed

Quentin

Steve_xx wrote: »

At the moment it is possible to park it on the road without insurance, but it must be taxed.

No.

There is no leniency at all (now or in future) for leaving an uninsured car in a public place. It's an offence. (Actually an "absolute offence").

Steve_xx

Quentin wrote: »

No.

There is no leniency at all (now or in future) for leaving an uninsured car in a public place. It's an offence. (Actually an "absolute offence").

The quote I gave was from the government website. If what you say is correct, then the government website detail looks ambiguous:

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696

Quentin

There is no mention of any leniency towards uninsured cars being left in a public place in that link.

It does say this, though:

If you are not insured and use your vehicle on the road you are already committing an offence – get insured immediately.

The leniency in the new law next year (when a letter will be sent) you refer to is when the database throws up an uninsured and un SORNed vehicle (ie a routine check of the database, not as a result of an uninsured vehicle being spotted in a public place!)

Steve_xx

Quentin wrote: »

There is no mention of any leniency towards uninsured cars being left in a public place in that link.

It does say this, though:



The leniency in the new law next year (when a letter will be sent) you refer to is when the database throws up an uninsured and un SORNed vehicle (ie a routine check of the database, not as a result of an uninsured vehicle being spotted in a public place!)

It does imply leniency. It says that they will send you a letter after which you must take action. If you don't take action within some hitherto unstated timescale, then the following would apply. It doesn't mention that things could be different if the vehicle is spotted by the police. It's ambiguous then.

Quentin

You see this as ambiguous:

If you are not insured and use your vehicle on the road you are already committing an offence – get insured immediately.

So it's difficult to carry on this exchange!

They intend to routinely send everyone a letter who have an uninsured AND unsorned car. This is nothing to do with the issue of uninsured cars being on a public road!

Steve_xx

Quentin wrote: »

You see this as ambiguous:



So it's difficult to carry on this exchange!

They intend to routinely send everyone a letter who have an uninsured AND unsorned car. This is nothing to do with the issue of uninsured cars being on a public road!

Yes I see your point. I was trying to distinguish between "using/driving" and a car being parked. Having looked around some more on the internet I see that the opinion is that there is no distinction.

fluffyboots

i'm so confused can anyone help?

I had a 12 month insurance policy on my Clio as a provisioonal driver which I cancelled as it had an SORN on it.. I didnt inform the insurers in advance of cancelling the direct debit as I was changing banks anyway-I then called them and told them a week or so later and they wanted to hold me to the full year of which I had only paid a couple of months, I told them I couldnt afford that but offered just to start paying the £51 a month again on a new policy.They refused to do this but then said if I paid them £130 they would settle. This was 2 weeks ago I told them I didnt have the £130 until my payday a week later but they refused to wait. As a result I now have a bill for £293 from a debt recovery agency which I dont have the money to pay and which is going to affect my credit rating. The car is still SORN and I have financial problems and am worried about this. Does anyone know my right on this? Should I contact the debt recovery company and offer instalments?It does seem very harsh I had tried to meet them halfway.