Mate caught without car insurance

[ElChapo]

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

You are correct, just checked my insurance cert and it has these terms:

The policy does not cover:

Use for hire and reward.
Use for any purpose in or by the motor trade.
Use for racing, competitions, rallies, trials, track days or off-road events.
Use to release any vehicle that has been seized by (or on behalf of) any government or public authority, unless the vehicle matches this registration mark above and was seized during the effective cover dates of this insurance.

 

[the dude]

Its a fixed penalty. Being "honest" with insurance company won't change the police action.

At this point he doesn't tell insurance company anything more than he needs cover to start earlier and pay the additional cost for that.

Banging your head against a brick wall here I think.

 

[Goat Eyes]

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.

The dealer isn’t in bother if they sell it without tax.

There is now law that states the dealer (or small outfit in this case) needs to ensure the car is taxed and insured. Drive away insurance is a service some retailers offer (mainly as a way of getting additional commission when the driver converts to the designated insurance company) but the responsibility is always on the driver of the car (not the owner) to ensure the car is taxed, insured and MOT’d. I wouldn’t embarrass myself contacting the dealer.

 

[Jap Stammer]

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

Why ya bugger!

You learn something every day!

 

[SAFC 2012]

Why ya bugger!

You learn something every day!

Even if he was lucky enough to get the car out and then he was unfortunate enough to have a claim they’d get him that way mate. They leave no stone unturned like. I work for one they’re fking animals really like when it comes to finding ways to not pay out

 

[Falconhoof]

Can they not just sit on the side of the road and scan any car coming past, or am I being thick.

Yes they can automatically. Hence the cars have to have the camera stickers on them.
That's what I was told off a copper anyway

 

[FatCat2402]

Even if he was lucky enough to get the car out and then he was unfortunate enough to have a claim they’d get him that way mate. They leave no stone unturned like. I work for one they’re fking animals really like when it comes to finding ways to not pay out

I was saying this earlier. No way I'd take a chance with insurance companies, they are snake oil salesman...even worse than used car salesman

 

[humbug]

The dealer isn’t in bother if they sell it without tax.

There is now law that states the dealer (or small outfit in this case) needs to ensure the car is taxed and insured. Drive away insurance is a service some retailers offer (mainly as a way of getting additional commission when the driver converts to the designated insurance company) but the responsibility is always on the driver of the car (not the owner) to ensure the car is taxed, insured and MOT’d. I wouldn’t embarrass myself contacting the dealer.

so that would mean it was actually insured when he bought it? (or should've been)

 

[Goat Eyes]

so that would mean it was actually insured when he bought it? (or should've been)

No, a dealer can register a new car without insurance, they have access to register and tax car.

A lot of small retailers / independents will just tell the customer they need to tax it. Ideally they’d need to drive it away so will tax it there and then. I’m assuming this car isn’t taxed either as the tax stops as soon as the car is sold.

 

[Kent_Mackem]

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

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.

Ah quality!! bit of money back for me.

 

[Quench]

It would have been an automatic camera, it happened to me a few years back, insurance company had spelt my name wrong or wrong Registration Number or something, I forget which, and I hadn't noticed it. A police car pulled me over and the policeman said I'd been detected by an automatic camera mounted on a bridge as having no insurance. I actually had the certificate with me and the policeman was fine about it and saw it was an error. I think I had to produce the new certificate at a police station, but nothing else happened. Sounds like this will be a different experience for this lad though unfortunately.

Similar happened to me. ANPR picked up my can was SORNed, it had been by the garage I bought it off and they hadn't lifted the SORN when I bought it. I explained it to the copper who stopped me and pointed to the tax disc to prove it was taxed. However, as the car was SORNed I hadn't had a renewal notice and the tax was out of date. I think they gave me seven days to rectify it as the tax hadn't long run out.

 

[Boz33]

Surely it’s just a case of getting insured forthe car into the nick, pay the fine/ storage fees to retrieve the car then wait for the court summons or points and fine to land, then inform insurance about the points you potentially get and cough up for the insurance increase.
I’ve very little sympathy for anyone getting caught without tax or insurance as they are simple to get any time of the day pretty much with just a phone call.

And saying he got the dates wrong can’t be an excuse really because surely when he initially phoned for the insurance to cover the car he’d know he was picking it up in a day or so so would have got himself covered from that phone call date

 

[WestEndLad1975]

Surely it’s just a case of getting insured forthe car into the nick, pay the fine/ storage fees to retrieve the car then wait for the court summons or points and fine to land, then inform insurance about the points you potentially get and cough up for the insurance increase.
I’ve very little sympathy for anyone getting caught without tax or insurance as they are simple to get any time of the day pretty much with just a phone call.

And saying he got the dates wrong can’t be an excuse really because surely when he initially phoned for the insurance to cover the car he’d know he was picking it up in a day or so so would have got himself covered from that phone call date

Basically this.

He's got to arrange online to get car out of pound and pay.
His insurance company wouldn't change the date to insure him from today so he's arranged new insurance.
Then police have said that they will "likely" issue a fine and points through the post and at that point he needs to inform new insurer.

 

[Sleepy]

Basically this.

He's got to arrange online to get car out of pound and pay.
His insurance company wouldn't change the date to insure him from today so he's arranged new insurance.
Then police have said that they will "likely" issue a fine and points through the post and at that point he needs to inform new insurer.

They wont change the date? this seems mad, why would they refuse to change the date? Is he just trying to avoid an admin fee as well here?!

 

[WestEndLad1975]

They wont change the date? this seems mad, why would they refuse to change the date? Is he just trying to avoid an admin fee as well here?!

Just what he said. I think he did tell them what happened mind so possibly just a kinder way of declining to insure him?

 

[Sleepy]

Just what he said. I think he did tell them what happened mind so possibly just a kinder way of declining to insure him?

Obviously. He sounds a bit of a liability mind

He's got no points currently, no conviction, nothing. All he had to do, as others said, phone up and say he needed to change the start date. Pay admin fee, done. He's making this hard for himself isn't he.

 

[JaFlan86]

6 points, a fine and the pleasure of paying to get his car from the compound.

This. Spot on

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.

Sorry if SEB but some Police vehicles are equipped with ANPR cameras.

Once it flags up on their system it eliminates the 'discretion act'.

 

[safc9450]

Can they not just sit on the side of the road and scan any car coming past, or am I being thick.

They have to have breaks to scoff all those doughnuts . Get with the program !

It's black and white at the minute. He doesnt have any points for the alleged offence.

Just say he's Katie Price ,4uk all seems to happen to her FFS!

 

[SAFC 2012]

Basically this.

He's got to arrange online to get car out of pound and pay.
His insurance company wouldn't change the date to insure him from today so he's arranged new insurance.
Then police have said that they will "likely" issue a fine and points through the post and at that point he needs to inform new insurer.

He does realise that the new insurance certificate won’t cover him to get the car out of the impound though aye?

 

[BlackOps]

There simply isn't the resources to do the stops or the follow up actions unfortunately. Perhaps in theory with some legal tweeks all of those 1 million uninsured vehicle owners who haven't filed a sorn could be sent fines and points automatically from the relevant police constabularies via the database. The existing system would presumably drown in it though.

They would need to issue 172s and NIPs similar to speeding. They would need to triple support service staff

They sit on bridges over motorways with ANPR cameras and once it gets a hit it's off in pursuit

no they dont. If theyre on an overbridge its not for a no insurance

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.
Few people on this thread showing their naivety as to how insurance companies work like

As far as I'm aware, a Durham or Northumbria front counter clerk will just check for insurance. I've never heard of this seizure insurance and feel its a money maker for insurance companies. Would be good if someone can find print where a normal policy wouldnt cover. Police paperwork states you need a policy of insurance, not this special thing.

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.

And therefore guilty of the offence so why have you taken valuable court time to state that?