Mate caught without car insurance

PTR said:
Sellers cannot tax cars? Once you sell it, that tax becomes invalid and you get a refund.
Buyers need to tax cars they buy immediately. As well as insuring them.
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I don't think you even get a refund now. I am about to change cards and I was kicking myself buying 12 months of tax last month instead of 6 months.
 


Kent_Mackem said:
I don't think you even get a refund now. I am about to change cards and I was kicking myself buying 12 months of tax last month instead of 6 months.
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www.gov.uk

Cancel your vehicle tax and get a refund

Your vehicle tax is cancelled and you get a refund for any full months of remaining tax when you tell DVLA you no longer have the vehicle or it's off the road
www.gov.uk www.gov.uk
Cancel your vehicle tax by telling DVLA you no longer have the vehicle or it’s off the road. You get a refund for any full months of remaining tax.
 
Kent_Mackem said:
I don't mean that they are fined and land in the already saturated court system. I agree that wouldn't work.

Just that uninsured cars aren't given any more petrol / diesel. Obviously wouldn't work with the new Fisher Price cars, but at least it would stop the uninsured cars from re-fueling and continuing to drive. Seems simple enough to do.
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It’s a ludicrous idea TBF. Forecourts and streets littered with abandoned cars. Number plate theft will just rise. You can walk in with a jerry can and buy fuel without a car.

Simply wouldn’t work. Nice sentiment though.
 
Hot Since 82 said:
So are they done at random or on suspicions of particular drivers being under the influence based on their driving at the time?

Fucks sake.
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Usually done xmas time or during the footy comps when people are more likely to drink drive. Done at random for drink drive checks.
Kent_Mackem said:
Sorry, I wasn't clear. I meant that perhaps legislation could be brought in that allows them to be connected up to whichever database is needed. It's another way of stopping uninsured drivers/cars from being on the road. There are obviously a few things that would need ironing out and introducing but it should be possible.

I'd be strongly in favour of random drink and drug driving roadside tests.
If me being stopped a couple of times per week makes the roads far safer for everybody I've no problem with that at all.

Get the selfish moronic bastards off the roads with bans.
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There is a system now that informs drivers their not insured and gives them notice just in case they dont know such as this case where the lad got it a week late. Just think its a case that private companies cant be trusted with private info. Its a can of worms
 
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BlackOps said:
Usually done xmas time or during the footy comps when people are more likely to drink drive. Done at random for drink drive checks.


There is a system now that informs drivers their not insured and gives them notice just in case they dont know such as this case where the lad got it a week late. Just think its a case that private companies cant be trusted with private info. Its a can of worms
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Imagine Linda in Tesco working a night shift and refusing someone fuel as the computer says they’re not insured. She’s then calling the police to come and arrest them and take their car. Will make for some lovely shifts and a nice calm, relaxing walk to work and back.
 
Hot Since 82 said:
Was he driving like a twat in some way or is the car an ott boy racer mobile. Been driving 35 years and never been stopped at random.
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its not stopped at random, they have cameras which activley scan number plates and ping if a car is not insured

he was driving illegally regardless of how his driving was
 
Goat Eyes said:
A small garage won’t give a shite.
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that's not the point though and it wouldn't help in this case anyway. the only way out is if the dealer did have the weeks insurance in place to tax it. might be worth giving the dealer a ring. unless it was sold without tax and then the dealer might be in bother.
i've just googled it and can't find anything but it does ring a bell.
 
pavarotti1980 said:
He rings up the insurance company and changes the start date of his policy before he goes to police station.
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Won’t work. They’ll ask
Him if the car is currently impounded to which he answers yes and they won’t cover it.

If he says no his certificate states not to be used for removing cars from impound and they won’t release the car

There’s no way around it other than to find cover for releasing him from impound which will cost him
pavarotti1980 said:
No he doesn't. He just needs his standard policy start date brought forward to before he attends police station.
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His policy won’t cover him to release the car from the impound.
Few people on this thread showing their naivety as to how insurance companies work like 😂
 
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SAFC 2012 said:
Won’t work. They’ll ask
Him if the car is currently impounded to which he answers yes and they won’t cover it.

If he says no his certificate states not to be used for removing cars from impound and they won’t release the car

There’s no way around it other than to find cover for releasing him from impound which will cost him

His policy won’t cover him to release the car from the impound.
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Genuine question - why would they ask him that? I've never been asked that when I've rang/applied online for insurance.

Surely all he has to do is tell them he needs to have the car insured from an earlier date than he originally thought, and pay the extra premium?

I've never heard of specific insurance to have a car released from being impounded although, to be fair, I've never had a car impounded so never needed to look that far into it.
 
If he's 1 week out and he ends up at magistrates, I'd just say when picking the start date using their calendar thing on the app/website, I'd made a mistake and thought it was the 'monday' etc before. honest mistake gov'nor.
 
WestEndLad1975 said:
He needs to get this. Seems like you need emergency insurance to get your car back.

Pretty clear he does....as he's got no insurance!


Fuck knows mate.
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I would go with what @pavarotti1980 says. Phone the insurance company up get the insurance to start from today. Go to the police, explain what's happened and pray they take mercy on him and he just has to pay what he has to pay to get the car back. If he ends up getting points, then he contacts the insurance company and tells them, they then adjust his premium. If you get caught speeding you don't phone the insurance company up that day and say I've been caught speeding and am going to get points, you wait till you've got them.
 
Jap Stammer said:
Genuine question - why would they ask him that? I've never been asked that when I've rang/applied online for insurance.

Surely all he has to do is tell them he needs to have the car insured from an earlier date than he originally thought, and pay the extra premium?

I've never heard of specific insurance to have a car released from being impounded although, to be fair, I've never had a car impounded so never needed to look that far into it.
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I don’t think you’re reading the small print then mate. It’s a question every insurer asks.

It’s basically due to the exact scenario that’s happened in this thread

If you’re ringing to insure a car that’s impounded in the insurance companies eyes it looks like you’ve already been caught driving without insurance and are trying to cover your back and/or you’ve got a conviction pending so they wouldn’t go near it.

Not many if any companies will cover you to take a car out the impound. I think there’s only specialist insurers do it

Any points he gets now won’t impact his insurance until renewal anyway so pointless ringing insurer now about it for the people suggesting that.

Also pointless suggesting changing the start date as his certificate/ schedule specifically states not to be used to release a car from impound so the impound won’t accept it anyway
 
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Redandwhitedust said:
What's more bizarre is this, and I don't know the answer.

Could he cancel the policy, without telling them why? It hasn't started yet, so would there be any legal reason he couldn't?

Then start a new policy with a new insurer after, admitting the points?

Everything tells me that's fraud and he'll get screwed if he tries it. But I can't think theres much chance he gets caught? Unless when he cancels the policy theres a standard check against ownership of the car/police database?

In many ways I hope this isn't some loophole. He was driving uninsured and if he'd hit my car I wouldn't have wanted him exploiting anything
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He hasn't got any points yet!
NYMackem said:
There's no way that would work, or no one would ever get done for driving without insurance.
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He's not talking about getting away with it, he's talking about getting the car back.
 
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