Safe Speed Forums

Probably in the same way that they pay out for personal damage duckey.

The government had a consultation last year over making it a requirement for all vehicles (unless SORNed) to have a valid insurance policy.

See here.


I'm not aware that this has actually been implemented, though.

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

Hi Peter,

You're right, they did try but it was a non starter primarily for the aforementioned reasons, ie DVLA and the V5C document etc. There would be too much conflict between other acts, even for this Government to implement this.

I believe that the vast majority of comprehensive policies that allow you to drive other people's cars insist the other cars are already insured - this is an obvious source of confusion...

I don't believe that - because I have NEVER seen any such clause in an insurance policy. Has anyone got one? What does it say exactly?

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Paul Smith
Our scrap speed cameras petition got over 28,000 sigs
The Safe Speed campaign demands a return to intelligent road safety

I'm fairly certain my policy does say that, I don't have it to hand. The policy booklet (link to PDF: Privilege Insurance) says that

(see page 23, Section A, 1b, "Driving other cars")
which would presuppose that the car must be insured but does not state it categorically

There is some more advice here and here and in the "common exclusions" here


I'm now less certain!

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COAST Not just somewhere to keep a beach.

A young loner on a crusade to champion the cause of the innocent, the helpless, the powerless, in a world of criminals who operate above the law.

Mine says:


No mention of already having an insurance policy. Although obviously for the car to be taxed it would have to have had an insurance policy in application at the time of it being taxed, which had subsequently lapsed. A common circumstance under which this might happen is if an elderly driver was hospitalised and therefore was in no position to renew his insurance.

_________________
"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

Mine merely states with the owners permission, mentions nothing about the registered keeper. To obtain a policy the insurance policy can insist on the policy holder being the registered keeper, yet the vehicle owner may be the other partner as in my case. The owner is not registered in any way nor is liable under current DVLA policy which is why the authorities assume that the RK is the owner etc.

Technically when my girlfriend allows her father to drive my vehicle using his insurance, he is uninsured as I haven't expressly given my permission as the terms of his insurance require. Similiarly, should my girlfiend's policy lapse, her father again would be able to drive my car using his policy, with my permission; ANPR would however show that there was no valid insurance policy against the vehicle because of the limitations of ANPR and the DVLA database in assuming that the RK is the owner.

It is not compulsory in law that states that one has to carry their insurance policy with them at all times, yet my vehicle could be seized by the Police because a computer states that the vehicle is uninsured. I state yet again, it is not the vehicle that is insured, it is the driver and as such the system is flawed until such time that DVLA and the Police get their act together.

Remember too, to tax a vehicle now, you can actually obtain a one day policy, print off the document, buy the tax and you're away for a year so in reality means nothing.

http://www.freeindex.co.uk/article(One- ... -Insurance)_127.htm