Reply to: Wasting contractors time....how do I prosecute?

[Bagpuss]

Yeah will now get the owner in to trouble so I doubt since June anyone can drive a car that isn't already insured

Stay insured: new penalties for vehicles without motor insurance : Directgov - Motoring

[Paddy]

If you are not the registered keeper then as long as you have insurance to drive the vehicle you are not committing an offence.

Yes I think that is right but the owner would be committing an offence.

[AtW]

Yes, so lets say someone taxes the car, then sells the car (for that is what happened) and cancels their insurance, so it's no longer insured by them but it is taxed. Or perhaps you buy a car with six months tax on it from a dealer. Or perhaps the tax and insurance renewal are on different days and the insurance expires a few days after it's taxed for another year. All of these could give rise to a car with valid tax but no insurance.

All edge cases - what's more important is that insurance companies trying their best to stitch people up so small print in terms and conditions might well now require that 3rd party car to have valid insurance.

[doodab]

Stay insured: new penalties for vehicles without motor insurance : Directgov - Motoring

You must insure the vehicle. It's not good enough to have insurance to drive.

If you're the registered keeper of a vehicle, it must be insured at all times.

If you are not the registered keeper then as long as you have insurance to drive the vehicle you are not committing an offence.

[doodab]

You can't tax it without having insurance for that car + MOT (if required).

Yes, so lets say someone taxes the car, then sells the car (for that is what happened) and cancels their insurance, so it's no longer insured by them but it is taxed. Or perhaps you buy a car with six months tax on it from a dealer. Or perhaps the tax and insurance renewal are on different days and the insurance expires a few days after it's taxed for another year. All of these could give rise to a car with valid tax but no insurance.

[Paddy]

Not true. I checked this with my former insurer (privilege) when I used to have a car, and they told me that I was covered to drive a car the owner didn't have insured yet. I was picking up a car someone else had just bought.

The DVLA say



No mention that the vehicle itself must be insured, as long as you have valid insurance you aren't driving without insurance.

Best bet is to check with your insurance company and see what they say.

Stay insured: new penalties for vehicles without motor insurance : Directgov - Motoring

You must insure the vehicle. It's not good enough to have insurance to drive.

If you're the registered keeper of a vehicle, it must be insured at all times.

The exceptions are:

if you have made a SORN for the vehicle
if your vehicle has been kept off-road since before SORN came into force on 31 January 1998 – unless it was brought back into use
if your vehicle is recorded as stolen, passed or sold to the motor trade or between registered keepers
if your vehicle is recorded scrapped or permanently exported by the Driver and Vehicle Licensing (DVLA)

[Bagpuss]

Not true. I checked this with my former insurer (privilege) when I used to have a car, and they told me that I was covered to drive a car the owner didn't have insured yet. I was picking up a car someone else had just bought.

The DVLA say



No mention that the vehicle itself must be insured, as long as you have valid insurance you aren't driving without insurance.

Best bet is to check with your insurance company and see what they say.

You are both sort of right (or at least were). It depended on the policy and caveats, at the most you will have third party cover, and many insist the car is insured. The insurance industry have been a bit naughty recently with respect to this cover. Comprehensive used to automatically give you third party cover, now many don't, while some TPFT policies do and now it's confused by continuous insurance laws.

BTW if he isn't covered and he didn't get fixed penalty he will get fined more.

[AtW]

Not an issue if it's already taxed.

You can't tax it without having insurance for that car + MOT (if required).

[doodab]

AFAIK you won't get tax disk unless vehicle is insured explicitly.

Other than that there are no other flaws in this cunning plan #87.

Not an issue if it's already taxed.

[AtW]

I'll post it up in the meets section then - see the huge turnout we get.

It will probably be oversubscribe once my "friends" from this forum know I am going to be in attendance

[conned tractor]

Can do - this time we make Spartacus pay for the beers

I'll post it up in the meets section then - see the huge turnout we get.

[AtW]

Not true. I checked this with my former insurer (privilege) when I used to have a car, and they told me that I was covered to drive a car the owner didn't have insured yet. I was picking up a car someone else had just bought.

The DVLA say

No mention that the vehicle itself must be insured, as long as you have valid insurance you aren't driving without insurance.

Best bet is to check with your insurance company and see what they say.

AFAIK you won't get tax disk unless vehicle is insured explicitly.

Other than that there are no other flaws in this cunning plan #87.

[AtW]

Fancy another Brum meet around Christmas time? It must be two years since the last one?

Can do - this time we make Spartacus pay for the beers

[conned tractor]

No, but I had my great Italian coat stolen earlier this year - some MF in a pub did that!

Fancy another Brum meet around Christmas time? It must be two years since the last one?

[doodab]

Your insurance to drive other people's cars does not cover you if that car is not insured independently by its keeper.

Not true. I checked this with my former insurer (privilege) when I used to have a car, and they told me that I was covered to drive a car the owner didn't have insured yet. I was picking up a car someone else had just bought.

The DVLA say

Before taking a vehicle on the road
The vehicle must:
be registered with the Driver and Vehicle Licensing Agency (DVLA)
have a valid vehicle tax disc
hold a current test certificate (if this is required)
You must:
have the minimum of third party insurance which covers your use of the vehicle

No mention that the vehicle itself must be insured, as long as you have valid insurance you aren't driving without insurance.

Best bet is to check with your insurance company and see what they say.