MSE News: Warning over new compulsory car insurance rules

"Im not safe to drive much of the time??

GM86 wrote: »

First off, long term reader but this is my first post, love the site!

This really annoys me, not for the same reasons above but as I buy and sell cars occasionally to boost my income.

I would see a car at a good price with MOT and Tax, insure it for the day and drive it home, where I would fix it up if required until it was sold for a small profit.

Assuming its uninsured, then somewhere off-road like you should be doing currently

Andy_L wrote: »

Assuming its uninsured, then somewhere off-road like you should be doing currently

That's the whole point - the new legislation will require the old owner to pay for insurance - even if it's stored off-road, or cancel the car tax, and SORN it.

Then the new owner, even if they wish to repair it off-road is required to do the same.

It also means that if you are repairing a car for some time, have SORNd it as required, and now want to test drive it, to see if you've got the bugs out, it's now much more expensive, as you need to pay a months road-tax as well as a days insurance.

rogerblack wrote: »

Me, for one.


I'm not claiming a large number of people are in my position, however, the government suddenly deciding I have to pay a couple of hundred pounds extra a year, with no benefit to anyone other than the insurance companies, stings a bit.

I am quite capable of maintaining my garage to make the chances of the roof falling in vanishingly small.

Someone stealing it is indeed a real possibility - from a locked garage in a low crime area, with a 1.0l car with an immobiliser.
If someone steals it, and causes an accident, they would not be covered by any insurance.
Insurance would only kick in once they get out of the vehicle, and if they've left it in a public place, I would indeed have committed an offence.

I find this to be vanishingly unlikely enough, that I'm quite happy to take the risk, as I do now.

This risk still applies to SORN'd cars, of course.

I will now be required, if I wish to use the car every couple of weeks, to get it continually insured.
I was previously able to get it insured on a day-day basis, at a considerable saving, with the car remaining in a locked garage in between periods of insurance.

A bit of googling finds: http://www.legislation.gov.uk/uksi/2011/20/pdfs/uksiem_20110020_en.pdf - this is the explanatory note to the statutory instrument amending the road traffic act to get it into a state where the next instrument can bring those provisions into force by setting enforcement actions.

Surely just a policy with a very low mileage limit would sort the problem.

rogerblack wrote: »

I attempted to read the Road Traffic Act 2008, 144b - and my head exploded.

144b (1-4) are exceptions for vehicles owned or operated by various public bodies, or for people who have sold vehicles.

Clause 5 confuses me.
5c says "
(c)the registered keeper has by the relevant time complied with any requirements under subsection (7)(a) below that he is required to have complied with by the relevant or any earlier time."

(7)Regulations may make provision—
(a)for the purposes of subsection (4)(b) and (5)(c) above, requiring a person in whose name a vehicle is registered to furnish such particulars and make such declarations as may be prescribed, and to do so at such times and in such manner as may be prescribed, and"


I fail to find any legislation (as yet) detailing what these declarations are.

Does this help, the explanatory notes from the original legislation - Road Safety Act 2006:


These provisions provide for a new scheme intended to combat uninsured driving.

Section 22 inserts new sections 144A, 144B, 144C, 144D and 159A into the RTA and makes a number of consequential amendments to the RTOA. Schedule 5 inserts a new schedule - Schedule 2A to the RTA.

Section 143 of the RTA makes it an offence to use a vehicle on a road or other public place without a policy of insurance or security against third party liability as required by Part 6 of the RTA. The new scheme will create a new offence of being the registered keeper of a vehicle the use of which is not insured against third party liability as required by Part 6 of the RTA. It will therefore be possible to detect the new offence from records of registered keepers held by DVLA and insurance records.

Section 144A creates the new offence which arises when a vehicle does not meet the insurance requirements. Under the insurance requirements the registration mark of a vehicle, or the vehicle's owner, must be specified in an insurance policy or security. There are a number of exceptions to the offence set out in the new section 144B. Some of these are similar to the exceptions in section 144 of the RTA which apply to the section 143 offence of using a vehicle without insurance. They include vehicles owned by local authorities, the police and the National Health Service. Other exceptions may apply where the vehicle is no longer kept by the registered keeper; it is not kept for use on a road or other public place or has been stolen. The exceptions apply only if a prior statement (such as a statutory off-road "SORN" declaration) has been made to the appropriate authorities as required by regulations.

Under the new section 144C the Secretary of State can serve a fixed penalty notice on a person whom he believes has committed an offence under section 144A. The amount of fixed penalty is £100 which is variable by statutory instrument.

Section 144D introduces the new Schedule 2A. Under this Schedule the Secretary of State can make regulations which enable an authorised person to clamp vehicles upon reasonable suspicion that a section 144A offence has been committed and to enable the removal and disposal of such vehicles, including the time and manner in which such vehicles may be disposed of. Regulations may exempt a vehicle with a current disabled person's badge, or which meets other prescribed conditions, from being clamped. The Regulations may enable a person to obtain release of a clamped or an impounded vehicle if he or she pays any due charges and can show (a) that in driving the vehicle away he or she will not be committing an offence under section 143 of the RTA and (b) that the registered keeper is not guilty of an offence under the new section 144A. If the vehicle has already been disposed of, the regulations may provide for a sum to be paid to the vehicle's owner provided the claim is made within a prescribed period.

Regulations may also make it a criminal offence to interfere with a clamp or associated notice, use a vehicle in breach of statutory requirements in connection with disabled persons or give any false declaration to secure release of a vehicle.

Section 159A enables regulations to be made which require the Motor Insurers' Information Centre to provide information to prescribed persons. This information, together with records held by DVLA, will enable identification of registered keepers committing the offence under section 144A. The information can also be used for enforcement of other offences under Part 6 of the RTA (Third Party Liabilities) or offences made under regulations under section 160 of that Act, including those relating to immobilisation and release of vehicles provided for in the new Schedule 2A.

Finally, section 22 makes consequential amendments to the RTOA in connection with the new offence in section 144A and the offences which may be created by regulations.