'Failure to Insure' fine query

lewisham_phil

My daughter, still living at home, bought a 125cc motorcycle after she passed her CBT, with the intention of getting her full licence; it was bought and taxed under her name. My own motorcycle insurance allows me to ride other motorcycles, giving third-party cover. To this end, I rode the bike home after purchase. In the meantime we have been trying to find insurance for my daughter - she can't afford the £2350 lowest(!) quote, so is not yet using the bike, which is currently languishing on the drive. We have now had a fine for 'Failure to Insure'.

My question is; can I not claim that it is third party insured under my insurance (although owned by my daughter)? Or is it simply a fact that the registered keeper must insure the vehicle if it is taxed? Thanks in advance.

Gr1pr

Who issued the charge  ?  Only one person would be naned on it, there is no WE 

Ownership is irrelevant,  I assume that she is the Registered Keeper   ?

If its on the driveway, then I fail to see why any charge would be about insurance 

Do you mean , uninsured vehicle   ?

noitsnotme

I’m pretty sure you either have to insure it or SORN it.  If your daughter couldn’t afford to insure it, she should have SORN’d it.  I don’t believe your third party insurance via your policy would count as that normally requires it to be insured with its own policy.  With that in mind, you may not have actually been insured to drive it home after the purchase.  Others will hopefully confirm or put me right.

TadleyBaggie

noitsnotme said:

I’m pretty sure you either have to insure it or SORN it.

In a nutshell, must be one or the other.

Wonka_2

For clarity has she received the documentation/fine for keeping it whilst uninsured or have you for riding it whilst uninsured ? 

MyRealNameToo

lewisham_phil said:

My daughter, still living at home, bought a 125cc motorcycle after she passed her CBT, with the intention of getting her full licence; it was bought and taxed under her name. My own motorcycle insurance allows me to ride other motorcycles, giving third-party cover. To this end, I rode the bike home after purchase. In the meantime we have been trying to find insurance for my daughter - she can't afford the £2350 lowest(!) quote, so is not yet using the bike, which is currently languishing on the drive. We have now had a fine for 'Failure to Insure'.

My question is; can I not claim that it is third party insured under my insurance (although owned by my daughter)? Or is it simply a fact that the registered keeper must insure the vehicle if it is taxed? Thanks in advance.

The Continuous Insurance Enforcement requires all motor vehicles to either be SORNed or Insured.

You have TPO cover "whilst riding" (though check that it doesnt require the bike to be insured as many do) but not whilst its parked up and so no, your riding other bikes does not qualify as an insurance on the bike to meet the requirements of CIE

lewisham_phil

Thanks for the replies; just to clarify, the fine seems to be for having the vehicle taxed stationary on the driveway (not anywhere near the road) uninsured by the keeper, not for actually using using it on the road. This seems harsh and unfair. But it seems that's the law..

Smelly_Dog

I've had several vehicles sat on my drive for a few weeks/months without being SORNed or Insured. My D.O.C. (Driving Other Cars) insurance with AVIVA doesn't require the vehicle to be insured separately which is handy for buying new vehicles or taking them for an MOT or a garage for work on them. As long as they are owned by someone else and I have their permission.
How long has the bike been sat on your drive? I assumed it was several months before a fine was issued?

lewisham_phil

It's been a few months, yes. Have you ever succesfully countered a 'Failure to insure' letter? I expect that the issue is that the bike isn't registered to me, but to my daughter.

QrizB

lewisham_phil said:

It's been a few months, yes. Have you ever succesfully countered a 'Failure to insure' letter? I expect that the issue is that the bike isn't registered to me, but to my daughter.

Did your daughter receive an "insurance advisory letter"? This was her cue to insure it or SORN it.

https://www.theaa.com/driving-advice/legal/continuous-insurance-enforcement