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davieG

Car insurance - new rules start today

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Posted

BBC

More restrictive car insurance rules have come into effect as the government seeks to clamp down on uninsured drivers.

From Monday, drivers will need to declare their car as being off the road if they want to avoid buying insurance.

Previously, offenders had to be caught in the act of driving without insurance to be prosecuted.

Registered drivers who are found to be uninsured will be sent a warning letter, followed by a £100 penalty.

If a car still remains uninsured, it can be clamped, or seized and destroyed, or the owner could be taken to court and given a fine of up to £1,000.

Enforcement action is expected to commence from mid-July.

Full Report -

http://www.bbc.co.uk/news/business-13836625

Posted

just another tax.....Bastards

dunno.gif Explain?

Some 1.4 million vehicles in the UK do not have insurance, compared with 34 million that do.

The Department for Transport says that 23,000 people are injured and 160 killed each year by incidents involving uninsured drivers.

"Uninsured driving is a serious problem in this country," said Malcolm Tarling of the Association of British Insurers, noting that about 4% of drivers are not covered.

"Not only are they more likely to cause an accident, but they also push up cost of insurance, which all honest, law-abiding drivers have to pay," he told the BBC.

Posted

Registered drivers who are found to be uninsured will be sent a warning letter, followed by a £100 penalty.

i'm a bit confused by this .

does this mean that the offenders get a fine at the same time or will be allowed some time to get insurance ?

Posted

Millions of people are being taxed off the road or are being forced off it by the extortionate cost of insurance. This move is supposed to bring in enough revenue to save £30 a year on premiums for everyone but premiums have gone up far more than that in the last year or so. I'd far rather they tackle the real fiddles - like the writing off of cars for minimum damage and other claim exagerations. As always it's just a gravy train with the drivers as the victims. Lots of potential claimants never claim anyway - they just negotiate a settlement themselves to save their NCB's. It's a racket and I'm surprised there's not a lot more campaigning being done to stop it and sort out a better system.

Posted

I always felt really good, about getting vehicles seized, from the scum who cost the ordinary driver more money every year. Always got a mouthful from them, but it was well worth it. :thumbup:

Posted

I always felt really good, about getting vehicles seized, from the scum who cost the ordinary driver more money every year. Always got a mouthful from them, but it was well worth it. :thumbup:

sounds like fun ; i thought you just fined them ;):)

Posted

I thought you were refering to the new ruling of taxing cars, even with a valid off road form.

You don't need tax if it's SORN'd, nor insurance.

Posted

Millions of people are being taxed off the road or are being forced off it by the extortionate cost of insurance. This move is supposed to bring in enough revenue to save £30 a year on premiums for everyone but premiums have gone up far more than that in the last year or so. I'd far rather they tackle the real fiddles - like the writing off of cars for minimum damage and other claim exagerations. As always it's just a gravy train with the drivers as the victims. Lots of potential claimants never claim anyway - they just negotiate a settlement themselves to save their NCB's. It's a racket and I'm surprised there's not a lot more campaigning being done to stop it and sort out a better system.

Thrac,

Writing off cars for minimal damage isnt a result of claims exaggeration by policyholders though fella, its poor handling on the part of the insurance companies. as a rule if the cost to repair a vehicle exceeds 55-60% of its total value they will write it off, as its cheaper to issue a cheque and be done with it, than have someone in a hire car for weeks on end whilst its being repaired. agree with what you say about it being a gravy train, the average motor claim goes through 3 or 4 companies before its gets resolved, all skimming referral fees, commisions etc off the top. and if policyholders negotiate without using their insurance, this surely is moot when talking about premiums increasing?

back on topic though, this is a great move. there really isnt any excuse for driving without even the most basic of insurance cover.

Posted

You don't need tax if it's SORN'd, nor insurance.

Half the cars we took off the road, had been notified as SORN. Amazingly, almost all the drivers came up with "I'm just on my way to the garage to get an MOT, mate" Bye,bye car! :crylaugh:

Posted

This is my point, the new ruling says you do.

I concur...Bastards

No it doesn't. The article clearly says that if your vehicle is sorned you don't need tax or insurance.

Posted

It even says it in the opening post:

From Monday, drivers will need to declare their car as being off the road if they want to avoid buying insurance.

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