No car insurance cover for 4 days 8 August 2022 at 4:16PM in Insurance & life assurance 4 replies 174 views

murmeltier

To cut a long story short, I'm involved in a charity that owns a vehicle. Previous car insurance policy expired last Friday, and charity failed to arrange a new policy on time (insurer refused to provide cover for new driver [driver changed at time of policy expiry] due to change in underwriting criteria).

A broker was approached to arrange new insurance, but still waiting to hear back on quotes.

Charity have now realised that they are without cover, and a temporary short term insurance policy has been put in place today (should have really happened on Friday, but didn't).

This means the vehicle has been without valid insurance between Friday and today.

Does anyone know what will now happen? Can the charity as the registered keeper expect to hear from the DVLA and will they get fined automatically?

I assume the answer is yes, but I wanted to check whether anyone knows whether this will happen automatically and in what timeframe.

As an aside, the vehicle is kept off-road and has not been driven by anyone during this period (so no "driving without valid insurance" offence will have been committed)

molerat

I very much doubt the system will even notice a short term uninsured period.  Nothing you can do about it now anyway.

TELLIT01

Unlikely to be any problem.  If the vehicle had been used and been stopped by police or involved in an accident it would be a very different story.

Aretnap

Generally continuous insurance is dealt with by a "your vehicle is uninsured - insure it or else" type reminder. Only if you don't do anything in response do the reminder do you start getting fixed penalties.

For a gap of 4 days you may not even get as far as the reminder.

murmeltier

Thanks all for putting our minds at rest