New insurance laws?

quattro

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Staff member
This means we will have to insure all of our cars, including donor cars.

More policing on the cheap by our wonderful government.

Vital new insurance enforcement scheme must be implemented to save lives.

The British Insurance Brokers' Association (BIBA) has today welcomed the launch of a consultation by the Department for Transport (DfT)
into a new scheme of Continuous Insurance Enforcement (CIE) of statutory motor insurance.

The new measures should see the DVLA vehicle keeper database and the motor insurance database (MID) join forces to systematically compare the records in order to identify and tackle uninsured drivers.

Uninsured and untraced drivers are responsible for 160 deaths and 23,000 injuries every year. Over £400 million of costs are created by
uninsured drivers and paid for by a levy of around £30 on every lawful motorist. The UK has one of the worst uninsured driving records in Europe.

Graeme Trudgill, BIBA Technical and Corporate Affairs Executive, said:

"It is vital that the proposed new measures, making it an offence to keep an uninsured vehicle, are implemented swiftly and with the full
force of the law so that it can cut straight to the centre of the UK's lawless uninsured drivers.

"This new enforcement scheme should systematically identify and fine the offenders and they will then have the option of insuring legally
or face having their vehicle seized and destroyed. There should be no escape.

"BIBA urge's everyone in the motoring community to support the process outlined in this consultation document to establish this new
scheme which should lead to fairer premiums and safer roads."

BIBA, through its work with the DFT and Motor Insurers' Bureau (MIB) has campaigned for more than five years for reform to introduce this key weapon to tackle uninsured driving.
 
This doesn't mean what you think it means. If you Google "continuous insurance enforcement" it takes you directly to the DVLA website where it explains it, including the fact that it doesn't apply to off the road cars, or cars on SORN, but only to people who refuse to renew any insurance they already have. So it won't affect us (as classic owners) or the people who just don't bother with insurance anyway.

Another waste of time really, it will catch a few, but not the majority who will always drive without insurance.
 
Indeed, a complete waste of time, as usual the people they intend to target will bypass the whole scheme.

Anybody intent on driving without insurance simply doesn't register the car in their name. They then avoid all speeding / parking fines (except clamping) and don't bother with tax / insurance / MOT.

What a lot do is buy a cheap car say £300 with full 12months MOT and TAX, don't register it and don't insure it.

What we really need is a national basic insurance scheme, so everybody is insured by default, which is basically what we've got with the £30 levy against everybody who pays. I still say we scrap road tax, put it on the fuel duty and stick a bit more on for basic "3rd party only" insurance, then you can choose to increase your insurance if you want.

That's my hair-brained scheme anyway, feel free to flame me !

As Harvey say though, it won't apply to SORN vehicles. You're other option for a spares car that definately isn't going back on the road is to declare it scrapped. Take the wheels off and declare it a "garden sculpture" ! :LOL:
 
What we really need is a national basic insurance scheme, so everybody is insured by default, which is basically what we've got with the £30 levy against everybody who pays.

That doesn't affect those who deliberately avoid buying insurance .That's our contribution to cover the damage and injury they cause

Is there anyway of specifically targeting the non - payers ? I suggest putting clampers out on the streets to clamp every car not on the register . That would be more useful than clamping people for parking
 
DaveHerns said:
I suggest putting clampers out on the streets to clamp every car not on the register . That would be more useful than clamping people for parking

Go ahead, make my day. Most of the cars I drive aren't insured, but I as the driver am, so how are you going to work that one then? While the penalties for driving without insurance don't serve as a deterrant, the situation will continue exactly as it is.
 
I noticed they've been tightening up on trade policies recently, making it a requirement to declare vehicles in use etc. Can't see how they can legitimately force you to declare every vehicle that comes through a garage though, you'd be on the phone all day !
 
webmaster said:
I noticed they've been tightening up on trade policies recently, making it a requirement to declare vehicles in use etc. Can't see how they can legitimately force you to declare every vehicle that comes through a garage though, you'd be on the phone all day !

This has been a requirement since the MID came into force, and can be a PITA. Basically any vehicle that is in your custody for over 14 days and is for use on the road has to be added to the policy by going online. So that's cars bought in for future sale, and any cars for repair not insured under the owners policy.

All of which could have been avoided just by making it a requirement that anyone driving on a trade policy has to carry their insurance certificate with them at all times. But then that would have been too easy..............
 
OK , and it may be oversimplifying it a bit but every car should be insured by it's owner so if a mechanic drives it , it will still be on the register

What about certain areas where there are cars with "For Sale " signs lined up on the pavement ? How many of those are taxed and insured ?

I was going to suggest every car has to display insurance cover and MOT test certs in the windscreen but how long before they sell copies on EBay ?
 
Having just read that about Norwich Union removing the drive other cars clause I checked my main car policy and can't find anywhere where it says about diving other cars is for emergancies only.

I regularly drive my mates car when we're out for a day trip to share the driving.
 
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