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 Post subject: Continuous Insurance
PostPosted: Mon Jan 10, 2011 09:39 
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I see that the government have proposed this old chestnut again to go with the "continuous registration" we have with VED or SORN.

It is said that the registered keeper will have to ensure continuous insurance of the vehicle. It will be interesting to see how this works for leasing companies and motor dealers.

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 Post subject: Re: Continuous Insurance
PostPosted: Mon Jan 10, 2011 11:37 
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malcolmw wrote:
It is said that the registered keeper will have to ensure continuous insurance of the vehicle. It will be interesting to see how this works for leasing companies and motor dealers.


How will that work?. There is no legal requirement to insure a motor vehicle. It is the driver who must be insured. Whilst it is common practice for the driver's insurance to be limited to certain vehicles it is certainly not universal practice.

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 Post subject: Re: Continuous Insurance
PostPosted: Mon Jan 10, 2011 13:24 
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What I keep in my garage on private land is my business. If I want to use a car as a skip in my back garden that’s also my business. They’ll want to know what you do with your wife next, and how often.. It’s the usual British interference and busybodyness crap. :x

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 Post subject: Re: Continuous Insurance
PostPosted: Mon Jan 10, 2011 14:27 
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Big Tone wrote:
What I keep in my garage on private land is my business. If I want to use a car as a skip in my back garden that’s also my business. They’ll want to know what you do with your wife next, and how often.. It’s the usual British interference and busybodyness crap. :x


Could it perhaps be a well intentioned attempt to reduce the number of uninsured cars on the roads? And, AIUI, the authorities would be quite concerned if you murdered your wife daily :D

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 Post subject: Re: Continuous Insurance
PostPosted: Mon Jan 10, 2011 15:53 
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dcbwhaley wrote:
Could it perhaps be a well intentioned attempt to reduce the number of uninsured cars on the roads? And, AIUI, the authorities would be quite concerned if you murdered your wife daily :D
But that’s like forcing everyone to change their tyres at every MOT because ‘X’ number of drivers are caught each year with illegal tread depth, or forcing a zero alcohol limit on drivers because ‘X’ numbers cannot drink responsibly.

Why should the responsible and honest majority suffer for the dishonest minority? It’s always a sledgehammer to crack a nut and as someone here says, the road to a police state is paved with good intentions, or however the expression goes.

I had an old motorbike in a back garden for years with the intention of restoring it. I never got around to it and eventually sold it for restoration or spares. I can’t see the sense in insuring something like that, which was worth £30. (Well that’s what I got for it).

My ex wife is still alive BTW ;)

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 Post subject: Re: Continuous Insurance
PostPosted: Mon Jan 10, 2011 17:02 
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This would require a redaft to the laws about insurance and mean changing from the driver to the vehicle being the insured. My guess would be that SORNed vehicles would be exempt from insurance. It would be useful at the same time to clear up the confusion (mentioned in another thread) about responsibility for the vehicle between the "owner", the "registered keeper", the "keeper" and the "regular driver" of the vehicle.

What would happen if a "joy rider" takes your car? At least then you would be secure in the knowledge that he would be insured and that anyone he injures would be compensated by your insurer at the cost of your NCB. You could then sue the miscreant in the civil courts for your loss. Or maybe not.

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 Post subject: Re: Continuous Insurance
PostPosted: Mon Jan 10, 2011 19:27 
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Big Tone wrote:
My ex wife is still alive BTW ;)


That's not what she says :D

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 Post subject: Re: Continuous Insurance
PostPosted: Wed Jan 12, 2011 02:17 
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malcolmw wrote:
I see that the government have proposed this old chestnut again to go with the "continuous registration" we have with VED or SORN.

It is said that the registered keeper will have to ensure continuous insurance of the vehicle. It will be interesting to see how this works for leasing companies and motor dealers.

Like to see the article ... :)

But if a vehicle is SORN then there is no need for insurance (on private property). I agree that this could be seen as constant income for DVLA and insurance companies sometimes un-necessarily when a vehicle is not being used. We should have the right to not use a vehicle and retain it without having to give money to the government to do so - shouldn't we?

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 Post subject: Re: Continuous Insurance
PostPosted: Wed Jan 12, 2011 18:58 
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Big Tone wrote:
What I keep in my garage on private land is my business.


There are a few cases like that, which are legit. But many people who let their insurance lapse still drive around in the car. A small sacrifice by those who are legit might keep a lot of uninsured vehicles off the road. If you have a car, it should be insured, or undrivable (e.g. no wheels on it.) That way, you can put it in your garage, then take off the wheels and you're OK.

Everybody's happy!


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 Post subject: Re: Continuous Insurance
PostPosted: Wed Jan 12, 2011 19:28 
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SafeSpeedv2 wrote:
malcolmw wrote:
I see that the government have proposed this old chestnut again to go with the "continuous registration" we have with VED or SORN.

It is said that the registered keeper will have to ensure continuous insurance of the vehicle. It will be interesting to see how this works for leasing companies and motor dealers.

Like to see the article ... :)

http://www.bbc.co.uk/news/uk-12150923 :)

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 Post subject: Re: Continuous Insurance
PostPosted: Wed Jan 12, 2011 21:04 
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But a spokesman stressed owners who had a Statutory Off Road Notification, enabling them to keep their uninsured car, would not be affected.


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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 02:16 
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I see to that a link here (Police number plate recognition camera rules tightened), to the further BBC article on ANPR and new restrictions on vehicle activity stored does appear that stricter controls are to be implemented. (Also a link here for "Uninsured drivers face crackdown" relating to the problem with uninsured drivers.)

If they only need certain numberplate recognition then why keep all the other data e.g do they keep a note of where I travel ? If so why, what could that possibly help them do ? so why not delete it immediately than retain it for 2 years !

If uninsured drivers are 'such' a real issue then why not take some of the fuel tax (since they have so much anyway), and make everyone covered 3rd party and the basic necessary coverage in case of damaging Council property. That way all this admin., questionable database, and questions over privacy are removed overnight.
Government link here to their 'Uninsured driving' status. Also the July 04 document "Uninsured Driving in the United Kingdom" - A report to the Secretary of State for Transport by Professor David Greenaway, University of Nottingham -here.
New Penalties from the start of 2011 here.

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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 02:35 
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jomukuk wrote:
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But a spokesman stressed owners who had a Statutory Off Road Notification, enabling them to keep their uninsured car, would not be affected.



So ,to keep a vehicle off road, SORN would be needed.Perhaps making it easier to spot dodgy vehicles if on road,allowing non police (possibly DVLA ETC) to take action. Could this be a way of controlling non legal vehicles when the axe is applied to police strengths, by outsourcing more vehicle control to contractors?
Or with the increase in decriminalisation areas ,is there some backroom move to give the council parking folks powers to enforce tax etc( as the old yellow perils used to ) -one on a percentage basis could prove a cheaper option than fleets of police vehicles .(always supposing that the vehicle documentation is in order)

Just looking at the foregoing ideas looking for hidden agendas, in a cynical way. After all we've had the "safety " regime making empires -why not the "tax avoidance" one . :scratchchin: :scratchchin:

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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 12:26 
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I do not know about your area, but in mine there are
dvla contractors doing the rounds clamping untaxed
vehicles parked on the roadside.

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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 12:42 
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jomukuk wrote:
I do not know about your area, but in mine there are dvla contractors doing the rounds clamping untaxed vehicles parked on the roadside.

I wonder if they do that in inner-city areas with a high "ethnic minority" population :roll:

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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 19:55 
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PeterE wrote:
jomukuk wrote:
I do not know about your area, but in mine there are dvla contractors doing the rounds clamping untaxed vehicles parked on the roadside.

I wonder if they do that in inner-city areas with a high "ethnic minority" population :roll:



Or caravan sites.....

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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 20:23 
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jomukuk wrote:
I do not know about your area, but in mine there are
dvla contractors doing the rounds clamping untaxed
vehicles parked on the roadside.

What I was thinking about -remove yet more task from a police force under strain -especially a relatively minor one,with the proposed cutbacks .Should think any CC would look at it as a relief .

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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 22:03 
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Just looking at the foregoing ideas looking for hidden agendas, in a cynical way. After all we've had the "safety " regime making empires -why not the "tax avoidance" one .

I think it is important to note the difference between "tax avoidance" and "tax evasion", avoidance is perfectly legal, evasion is not, we have an expert on this subject who posts here (whose initials are GS) could tell you much more about this though :lol:


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 Post subject: Re: Continuous Insurance
PostPosted: Thu Jan 13, 2011 22:12 
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Odin wrote:
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Just looking at the foregoing ideas looking for hidden agendas, in a cynical way. After all we've had the "safety " regime making empires -why not the "tax avoidance" one .

I think it is important to note the difference between "tax avoidance" and "tax evasion", avoidance is perfectly legal, evasion is not, we have an expert on this subject who posts here (whose initials are GS) could tell you much more about this though :lol:


Sorry about that -though in the present climate ,official opinion seems to class avoidance as evasion( unless you're an HON Member) :roll:

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 Post subject: Re: Continuous Insurance
PostPosted: Fri Jan 14, 2011 06:33 
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They do say a letter will be the first point of call, not a local company. I wonder if they are a scam ?
Got any more details - have you noticed their contact details if they leave any ?

It is scary finding out last year from a reliable source that only (if I recall correctly) 12% of Court cases are dealt with by a jury, 55% of convictions are by non-police personnel in any one year!
As a society we have quite significantly moved away from the police handing out the enforcing majority of 'errors'. (I do assume that police included Court representatives.)

As these laws take effect more people are turning small front gardens into private off-road car park areas, which increase the flood risk to some areas as water absorption ground facilities are reduced.

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