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Car insurance - new laws


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This is a copy of the information I've received from the Driving Standards Agency in respect of the new laws

 

Motorists are being warned to insure their vehicles ahead of a new crackdown to tackle the menace of uninsured driving.

 

Under the new Continuous Insurance Enforcement law – which will affect all motorists from 20 June – it is an offence to keep an uninsured vehicle, rather than just to drive when uninsured.

 

A national advertising campaign will be launched by the Motor Insurers’ Bureau today to raise awareness of the law.

 

Road Safety Minister Mike Penning said:

 

“Uninsured drivers are a danger on our roads, killing 160 and injuring a further 23,000 people each year, and they cost honest motorists £500 million in extra premiums. That is why we are introducing this tough new law which will leave uninsured drivers with nowhere to hide.

 

"Our message is clear – get insured or face a fine, court action or seeing your car seized and destroyed.”

 

Ashton West, Chief Executive at the Motor Insurers’ Bureau, said:

 

“The change in law is a stepping up of enforcement activity, so that not only those vehicles driven without insurance will be caught. Now the registered keeper must make sure that their vehicle is insured all the time.

 

“In order to make sure everyone is aware of the new scheme, a national awareness campaign will be shown on satellite and terrestrial TV channels.

 

“Around four percent of vehicles have no motor insurance at any given time, and this needs to change so that is why this new enforcement approach is so important.”

 

Under the new system:

 

The DVLA will work in partnership with the Motor Insurers’ Bureau to identify uninsured vehicles.

Motorists will receive a letter telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they take action.

If the keeper fails to insure the vehicle they will be given a £100 fine.

If the vehicle remains uninsured - regardless of whether the fine is paid – further action will be taken. If the vehicle is on public land it could then be clamped, seized and destroyed. Alternatively court action could be taken, with the offender facing a fine of up to £1,000.

Seized vehicles would only be released when the keeper provided evidence that the registered keeper is no longer committing an offence of having no insurance and the person proposing to drive the vehicle away is insured to do so.

 

Vehicles with a valid Statutory Off Road Notice (SORN) will not be required to be insured.

 

The new law will run alongside the existing offence of using a vehicle with no insurance, which is enforced by the police. The police seize 180,000 vehicles each year for this offence, and offenders also face a £200 fixed penalty or a court fine of up to £5,000 and possible disqualification.

 

The DVLA’s records will be compared regularly with the Motor Insurance Database (MID) and this process will identify registered keepers of vehicles that appear to have no insurance. All drivers can check their vehicle is recorded on the MID for free - visit askMID.com.

 

So its really really simple (as other have said above) - if its not SORNed, it must be insured whether its kept on private land or not. Simples.

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Question: would the courts allow a lawsuit for damages from a trespasser who was so injured?

 

Only if the judge was a complete moron . anyone who is injured tresspassing brings it on themselves and has no one else to blame . Its just a shame more tresspassers arnt injured whilst carrying out their illegal activities .

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Well if you can declare it sorn but keep tax on it and keep it on your drive it aint so bad....not sure this is the case though???

 

Can it be SORN'd and taxed at the same time? Doesn't one preclude the other? Genuine questions..

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So if you have a car in your garage ,with no engine which is a project , you will now have to have it insured ?

 

What a scam that is.

 

Yet more legislation to fleece more money from motorists.

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So if you have a car in your garage ,with no engine which is a project , you will now have to have it insured ?

 

What a scam that is.

 

Yet more legislation to fleece more money from motorists.

 

Not if it's SORN'd...

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I saw the advert on tv yesterday.

 

All cars must either be SORN'd or insured.

 

Any car which is not showing as having either, on the DVLA database will generate a fixed penalty notice for the owner.

 

Quote from the direct.gov website posted above basically says it all

 

"If you're not using your vehicle, you should make a SORN. If you are using it, it must be insured."

 

If your car is kept in your garage, and not being used, you still have to SORN it.

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You can declare it SORN and you don't have to surrender the road tax.

 

The things is though - SORNs normally expire after 12 months or when you buy road tax.

 

There's no provision at present to unSORN your vehicle, which just adds to the confusion.

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You can declare it SORN and you don't have to surrender the road tax.

 

The things is though - SORNs normally expire after 12 months or when you buy road tax.

 

There's no provision at present to unSORN your vehicle, which just adds to the confusion.

 

OK didn't know that..why would you SORN it and still have tax on it? (Before this new legislation came in that is)

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http://www.youtube.com/watch?v=nWWSHq0S4EQ

 

Mmmm, call me Mr Sceptical, but what's a barn doing in a paddock? I'm no expert on farm development but would have thought a barn would be near to the farmhouse and other buildings not out of the way at the bottom of a field? A paddock is a place to keep horses and one would think a barn would need access to vehicles, which would be a danger to the horses. Please correct me if I'm wrong and accept my humble apologies..:D

 

Maybe he means stables but got his agricultural references mixed up whilst inventing his story.

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