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bazza
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PostPosted: 11:12 - 20 Jan 2009    Post subject: I Spy Reply with quote

How many news items can you spot being slipped in under cover of some blanket American presidential cocksucking news coverage?

I'll start:

£100 fines for not insuring a car (vehicle?) whether it's on the road or not. On top of SORN.

Who's next?
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Fawbish
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PostPosted: 11:35 - 20 Jan 2009    Post subject: Reply with quote

What the fuckitty fuck fuck?


On top of SORN?


Riiight. They can go fuck themselves.

Talk about herding the sheep towards the financial eviscerator Laughing



Not the most exciting...but RBoS shares fall by 68% Thumbs Down
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map
Mr Calendar



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PostPosted: 12:06 - 20 Jan 2009    Post subject: Re: I Spy Reply with quote

bazza wrote:
...£100 fines for not insuring a car (vehicle?) whether it's on the road or not. On top of SORN....

You're right, quite buried, unless you're a radio 4 listener.
RAC wrote:
Car insurance evaders targeted

It will soon be an offence to not only drive without insurance but to also keep a car which is not insured.

Motorists could be handed a £1,000 fine and the vehicle may even be seized thanks to a new database.

The aim of the new ruling is to target the 6% of motorists who drive without insurance. Legislation will allow the Motor Insurance Bureau to cross-reference its records with the Driver Vehicle Licensing Agency to find uninsured drivers.

Transport Minister Jim Fitzpatrick told the BBC Radio 4 Today programme: "This is about people who are driving, who are endangering other road users, who are killing and seriously injuring people on our roads.

"We are intending to try to make sure we can stop them from doing that. The 150,000 cars that were seized by police last year, that number will grow as a result of the powers we are taking."

Plans will see uninsured vehicle owners issued with a letter asking why they have no cover.

Exemptions will be made for car enthusiasts who keep their vehicles off the road in collections or for tinkering in the garage, but they must have applied for a Statutory Off Road Notice (Sorn).

If they have no reasonable explanation, they will be liable to a fixed penalty fine of £100, rising to £1,000, and possible court action to seize their vehicle.

Copyright © Press Association 2009

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Phoenix
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PostPosted: 12:58 - 20 Jan 2009    Post subject: Reply with quote

Well that's an annoying one, just more admin stuff you're likely to forget especially when you have several vehicles, SORN is hard enough to remember. However at least there is a way around it, this rule was proposed a few years ago but it was implied that it would be illegal to own an uninsured vehicle full stop which is utterly ridiculous, so it's not all bad.

I have my Pontiac currently sitting around uninsured but it is declared SORN so that's ok, no point keeping it taxed while it's uninsured. If you just leave it uninsured for a few weeks while it's still taxed I doubt they'll chase you quick enough plus it says they have to send you a letter asking first.

As usual though most people who drive uninsured don't have the vehicle registered to them anyway or are driving a car that is insured to someone else but not them so it won't make a blind bit of difference anyway. Hit the law abiding majority who simply forget to do something to catch 1% of the current law dodgers. What happens once you pay the £100 fine anyway, wait a year for the next check? Or are you good for ever after that, £100 is still a lot cheaper than insurance.
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bazza
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PostPosted: 13:41 - 20 Jan 2009    Post subject: Reply with quote

Phoenix wrote:
What happens once you pay the £100 fine anyway, wait a year for the next check? Or are you good for ever after that, £100 is still a lot cheaper than insurance.


You still have to get insurance or they'll fine you again.
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Bendy
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PostPosted: 13:41 - 20 Jan 2009    Post subject: Reply with quote

Folks always seem to grumble about the admin - come on, it's hardly difficult.

When you do your MOT, stick a reminder in your diary for 11 months in the future to book the next one. Do the same when you buy insurance, declare SORN or buy tax. If your vehicle servicing is done more by age than mileage, stick that in there as well. And when you move house, get off your arse and send your V5s and licence in to be updated so that the handy reminders you get sent about various things actually come to where you live. There are even websites you can enter the details into and they'll email a reminder when the time is right. Folk who can't organise their existence to this very basic level deserve all the fines they get and they're usually the ones moaning about the government while simultaneously wanting their hand held through the legalities of vehicle ownership.

Still think the whole system is a mess and far too easy to work around if you're so inclined. Can't help but wonder if looking at the registered keeper address vs the policy vs cardholder's address and some kind of address check on buying tax wouldn't pop up more of the un- or dubiously insured vehicles out there. Or just stick TPO cover on the cost of petrol...
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bazza
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PostPosted: 14:00 - 20 Jan 2009    Post subject: Reply with quote

Bendy wrote:
Folks always seem to grumble about the admin - come on, it's hardly difficult.


It's not about the admin - The Inscos claim that uninsured drivers cost everyone an average of £30 a year. Does anyone expect their insurance to come down as a result of this?

Or perhaps prices might go up as the whole insurance scam scheme tightens its grip round our throats wallets...
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Kickstart
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PostPosted: 14:13 - 20 Jan 2009    Post subject: Reply with quote

Hi

I know, lets cut down the murder rate by fining everyone who doesn't fill in a form each year to say they are not going to murder someone.

This, like SORN, is pointless. It solves nothing, it just creates an easy to enforce law that won't affect those who are the problem but will affect those who try to comply with at least the spirit of the law.

Few more press releases about this ludicrous idea. As you can see from these, if you get nicked for it and pay the fine but don't insure the car then on top of that they intend to "seize and destroy" it.

DfT

DfT wrote:

Tuesday 20 January 2009 09:30
Department for Transport (National)

Uninsured drivers left with nowhere to hide by new crackdown


Tough new powers to tackle the selfish minority of uninsured drivers who cost law-abiding motorists £400m each year were set out by Road Safety Minister Jim Fitzpatrick today.

The new measures will make it an offence to keep an uninsured vehicle - rather than just to drive when uninsured - making it easier to catch uninsured drivers and keep them off the roads.

Jim Fitzpatrick said:

"The selfish minority of drivers who refuse to insure their cars push up premiums for other motorists and kill or injure thousands of people each year.

"Increased police powers already mean more than 400 uninsured vehicles are seized every day but these tough new measures will leave uninsured drivers with nowhere to hide."

Under the new system:

- The DVLA will work in partnership with the insurance industry to identify uninsured vehicles

- Motorists will receive a letter telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they insure it within a set period

- If the keeper fails to insure the vehicle they will be given a £100 fine

- If the vehicle remains uninsured - regardless of whether the fine is paid - it could then be seized and destroyed.

Uninsured driving adds around £30 a year to every motorist's insurance premium - amounting to more than £400m a year in additional premiums. It is also estimated that uninsured and untraced drivers kill 160 people and injure 23,000 every year.

The Government has already given the police powers to seize and destroy vehicles being driven uninsured, along with improved access to the Motor Insurance Database to enhance their capability to detect uninsured driving by using Automatic Number Plate Recognition (ANPR) equipment. Police removed around 150,000 vehicles in 2007 - more than 400 a day.

Last year a new offence of causing death by driving while unlicensed, disqualified or uninsured was introduced.

Notes to Editors

1. Latest estimates are that around 6.5% (around 2 million) of GB motorists drive uninsured. The penalty for driving without insurance is a maximum fine of £5,000 and 6-8 penalty points. Around 300,000 offenders are convicted for uninsured driving every year.

2. Measures already introduced in the Serious Organised Crime and Police Act 2005 gave police improved access to the Motor Insurers Bureau database and powers to seize vehicles. In 2007 around 150,000 vehicles were seized.

3. The Road Safety Act 2006 provided the primary powers for a new offence of being the keeper of a vehicle which does not meet insurance requirements. Further secondary legislation is required to bring these provisions into force.

4. The public consultation published today sets out details of how we propose the offence would be enforced. The consultation runs until 16 April 2009 and copies are available on the DfT website.

5. Under the new offence, vehicle keepers who do not take out motor insurance in spite of warnings will be sent a fixed penalty notice and fine. If they fail to take action they may also face court prosecution, and/or their vehicle being clamped, impounded and ultimately disposed of.

Public Enquiries: 020 7944 8300
Department for Transport Website: https://www.dft.gov.uk

News Release

Client ref 008

COI ref 169734P


Biba

British Insurance Broker Association wrote:

20 January 2009
Vital new insurance enforcement scheme must be implemented to save lives

For Immediate release: 20th January 2009

The British Insurance Brokers’ Association (BIBA) has today welcomed the launch of a consultation by the Department for Transport (DfT) into a new scheme of Continuous Insurance Enforcement (CIE) of statutory motor insurance. The new measures should see the DVLA vehicle keeper database and the motor insurance database (MID) join forces to systematically compare the records in order to identify and tackle uninsured drivers.

Uninsured and untraced drivers are responsible for 160 deaths and 23,000 injuries every year. Over £400 million of costs are created by uninsured drivers and paid for by a levy of around £30 on every lawful motorist. The UK has one of the worst uninsured driving records in Europe.

Graeme Trudgill, BIBA Technical and Corporate Affairs Executive, said:

“It is vital that the proposed new measures, making it an offence to keep an uninsured vehicle, are implemented swiftly and with the full force of the law so that it can cut straight to the centre of the UK’s lawless uninsured drivers.

“This new enforcement scheme should systematically identify and fine the offenders and they will then have the option of insuring legally or face having their vehicle seized and destroyed. There should be no escape.

“BIBA urge’s everyone in the motoring community to support the process outlined in this consultation document to establish this new scheme which should lead to fairer premiums and safer roads.”

BIBA, through its work with the DFT and Motor Insurers’ Bureau (MIB) has campaigned for more than five years for reform to introduce this key weapon to tackle uninsured driving.

ENDS

NOTES TO EDITORS

1. For further information please contact Leighann Burtrand, BIBA Communications Manager, on 020 7397 0223 or at [email protected] or Graeme Trudgill, BIBA Technical and Corporate Affairs Executive on 020 7397 0218 or [email protected]

2. BIBA is on the Department for Transport Motor Insurance Compliance Action Board, the Motor Insurers’ Bureau Motor Insurance Database Programme Board and the Motor Insurers’ Bureau CIE Project Board.

3. Anyone seeking insurance can contact the BIBA consumer helpline on 0870 050 1790 or use the find a broker section of the BIBA website at www.biba.org.uk

4. BIBA is the UK's leading broker and intermediary organisation, representing professional insurance brokers and intermediaries.

BIBA is committed to playing a central role in the industry, from providing business backing and training for British brokers through to media liaison and high-level industry representation. We also actively participate in helping the industry and its customers deal with some of the major insurance issues of the day.

BIBA members operate to a very high standard of customer service with the aim of ensuring peace of mind, security, financial protection and the professional advice required.

Authoritative, independent and impartial, BIBA a not for profit organisation, is uniquely relied upon by brokers and the consumer.

BIBA – Leading the way in UK Insurance - www.biba.org.uk


All the best

Keith
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Bendy
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PostPosted: 14:16 - 20 Jan 2009    Post subject: Reply with quote

bazza wrote:


It's not about the admin - The Inscos claim that uninsured drivers cost everyone an average of £30 a year. Does anyone expect their insurance to come down as a result of this?


I don't necessarily mean just in connection with this thread, folks do it all the time 'oh the DVLA sent me a fine cos I'm too inept to open the letter they sent telling me my tax is nearly due'. Personal gripe of mine, nothing more.

The original point of the thread... yup, pointless, as Phoe says most real insurance evaders are gonna have their docs in such a mess that they'll not be found anyway. Putting the TPO on petrol is the only way to make sure every vehicle pootling along the road has the basic level of cover, but the inscos'll never go along with that!
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Itchy
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PostPosted: 14:17 - 20 Jan 2009    Post subject: Reply with quote

Bendy wrote:
Folks always seem to grumble about the admin - come on, it's hardly difficult.


Its not the admin , its the trickery and making you jump through hoops and hopefully catching a a lot of people who fail to jump through the hoops on the excuse of safey when in reality it is a money making exercise.

As I've said many times before the government have to find a way to pay the trillions of debt owed and can't jack up taxes more and more.....

If they said erm sorry folks we are short on money we have to put up taxes I'd be less annoyed (but still annoyed).....

but the way they say it , ie its for your own good, oh and we will punish people financially , no its not to raise money at all etc......


As the Manics once sung

Quote:
If You Tolerate This Your Children Will Be Next

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Bendy
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PostPosted: 14:28 - 20 Jan 2009    Post subject: Reply with quote

Itchy wrote:

Its not the admin , its the trickery and making you jump through hoops and hopefully catching a a lot of people who fail to jump through the hoops on the excuse of safey when in reality it is a money making exercise.


There is an element of that (SORN is tricky, they way they only remind you once) but things like tax are pretty clear cut, but plenty people are too stupid or lazy to even manage that by themselves.

How would you ensure that all the vehicles on the road are insured, taxed and MOTd? Sticking the first 2 on fuel is the only thing that springs to my mind. Without making it essential (vehicle does not move without) you've got to rely on databases and paperwork. You could look at it as having to jump through hoops, or you could look at is as being interested enough in vehicle ownership to put the effort into making sure everything's in order. Get everyone who's too apathetic to care about their paperwork off the road and you might just get shot of most that are too apathetic to bother looking both ways before pulling out of a junction. The masses who can't be arsed can take a bus after having their car cubed.
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Kickstart
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PostPosted: 14:42 - 20 Jan 2009    Post subject: Reply with quote

Bendy wrote:
How would you ensure that all the vehicles on the road are insured, taxed and MOTd? Sticking the first 2 on fuel is the only thing that springs to my mind. Without making it essential (vehicle does not move without) you've got to rely on databases and paperwork.


No need for any pure paperwork at all, and the current paperwork proves nothing (eg, you can tax a vehicle the day the insurance and MOT run out). The MOT certificate isn't exactly the issue, it is the actual MOT which can easily be checked.

The databases are there and can easily be checked. If anything needs to be done it is to make sure those databases are up to date (job for the insurance companies and the MOT people).

Getting people to declare SORN does nothing useful at all. It just provides an easy but pointless prosecution rather than a slightly more difficult but useful one targetted at the tiny number who are the problem.

The only excuse for VED these days is as a way of collecting money (as the insurance and MOT databases cover the other issues far more comprehensively), and that could be collected far more effectively by lobbing it on fuel. For those who think CO2 should be taxed, this way it is taxed directly. Want to make it not hammer businesses? Then put it on fuel by using a different VAT rate on fuel (so businesses / public transport can claim it back) rather than onto fuel duty.

It is more likely to distract people and get them to pull ou in front of you than to keep those who are disorganised and might pull in front of you off the road.

All the best

Keith
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Itchy
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PostPosted: 14:46 - 20 Jan 2009    Post subject: Reply with quote

Bendy wrote:
Get everyone who's too apathetic to care about their paperwork off the road and you might just get shot of most that are too apathetic to bother looking both ways before pulling out of a junction. The masses who can't be arsed can take a bus after having their car cubed.


Incentivise people perhaps? , HMRC for corporation tax gives you a discount if you pay early , its calculated by the day.....

Ie if you get your paper work done before its due date you get 2-5% off?...

As in an earlier post will insurance fall if all the uninsured drivers are taken off the road , no ......

Instead they choose the old tax stick yet again , unsurprisingly and judging from opinion here people are getting tired of being beaten again and again by the tax stick.

And they use the fines/penalties stick because the government is in effect insolvent. Quelle surprise they choose the tax stick.....


And paperwork is not an indicator or how well you drive either...
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Bendy
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PostPosted: 14:51 - 20 Jan 2009    Post subject: Reply with quote

Itchy wrote:


Incentivise people perhaps? , HMRC for corporation tax gives you a discount if you pay early , its calculated by the day.....

Ie if you get your paper work done before its due date you get 2-5% off?...

As in an earlier post will insurance fall if all the uninsured drivers are taken off the road , no ......

Instead they choose the old tax stick yet again , unsurprisingly and judging from opinion here people are getting tired of being beaten again and again by the tax stick.

And they use the fines/penalties stick because the government is in effect insolvent. Quelle surprise they choose the tax stick.....


And paperwork is not an indicator or how well you drive either...


Incentives would be nice, definitely.

And yes, I'm well aware that paperwork isn't an indicator of how well you drive. Make driving as hard as flying and you'd get fewer inept pricks doing it though. See, in my Britain, driving is something for the elite who embrace it, seek to improve themselves and take pride in it. The faceless masses who only care about getting from A to B can do so by public transport leaving the road network clear for enthusiasts to enjoy.
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Kris
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PostPosted: 15:10 - 20 Jan 2009    Post subject: Re: I Spy Reply with quote

bazza wrote:
How many news items can you spot being slipped in under cover of some blanket American presidential cocksucking news coverage?


Cue massive Israeli offensive within Gaza / West Bank etcetera, most likely using banned weapons with massive civilian casualties.
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Skudd
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PostPosted: 15:13 - 20 Jan 2009    Post subject: Reply with quote

It always amazes me the time people spend winging about the admin/ filling in forms and trying to find ways around not doing it than actually filling the form in.
Don't get me wrong sometimes it is a pain in the arse, but like others have said, it only takes a few moments on line.

Yes, I have been fined for not posting tax returns in time and for not doing the SORN in time.
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b-f-c
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PostPosted: 16:57 - 20 Jan 2009    Post subject: Reply with quote

So how is this going to affect those building vehicles ie: you have a chassis with a V5 - are insewerants companies going to insure part vehicles?

Doubt it, they'll refuse as there's bugger all to insure hence those with part built vehicles will be screwed.
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Bendy
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PostPosted: 17:01 - 20 Jan 2009    Post subject: Reply with quote

fjrat wrote:
So how is this going to affect those building vehicles ie: you have a chassis with a V5 - are insewerants companies going to insure part vehicles?


You SORN 'em.
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b-f-c
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PostPosted: 17:19 - 20 Jan 2009    Post subject: Reply with quote

Bendy wrote:
fjrat wrote:
So how is this going to affect those building vehicles ie: you have a chassis with a V5 - are insewerants companies going to insure part vehicles?


You SORN 'em.


Then they want you to insure it...

Quote:
£100 fines for not insuring a car (vehicle?) whether it's on the road or not. On top of SORN.
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Bendy
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PostPosted: 17:32 - 20 Jan 2009    Post subject: Reply with quote

Read map's post.

Exemptions will be made for car enthusiasts who keep their vehicles off the road in collections or for tinkering in the garage, but they must have applied for a Statutory Off Road Notice (Sorn).
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WildGoose
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PostPosted: 20:27 - 20 Jan 2009    Post subject: Reply with quote

It is fairly pointless, but they have included a work around for those who have a genuine reason to have a car off the road. Generally seems to be a bit too concerned with our lives yet again, what happened to the freedom to have a yard full of nackered cars if thats what makes you happy.

Whatever they say, if they think I am insuring a vehicle that is up on 4 jacks with no wheels, or has no engine in, then can take a jump.

I read that as "if you can fabricate an excuse" then they will leave you alone. It's fairly easy to fabricate an excuse, and they won't be sending people around to check, because that would mean they would have to find them. Imagine trying to locate every single vehicle shell in the UK Laughing

Although god knows why they want to waste time getting a person to read all these letters and to decide if the excuse is 'valid' or not. I reckon they will just issue the fine and chance their arm.

In which case it will become a hassle. Just like SORN.
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Kickstart
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PostPosted: 21:39 - 20 Jan 2009    Post subject: Reply with quote

Bendy wrote:
Exemptions will be made for car enthusiasts who keep their vehicles off the road in collections or for tinkering in the garage, but they must have applied for a Statutory Off Road Notice (Sorn).


So when people forget (after all, the DVLA don't always bother to send out SORN notices, and regularly lose those that get sent to them) they can hit them for an easy £80 for the SORN and another £100 for the insurance.

And if you dare argue then they will threaten to crush the car.

For zero benefit.

As I said, like tackling knife crime by fining people who do not sign a declaration each year saying they won't knife anyone.

All the best

Keith
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Itchy
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PostPosted: 21:46 - 20 Jan 2009    Post subject: Reply with quote

Kickstart wrote:

For zero benefit.

Keith


Yes but the benefit isn't what they state it is, if you've been listening carefully to the radio nationalised bank liabilities have suddenly become government liabilities in ONE week the government lost 5.5bn when RBS share prices collasped.

And RBS liabilities are now government liabilties , which pushes the national debt to about oh 3 trillion before add backs , ie PFI , bank guarentees , northern rock , bank bail out money , pensions , hidden off balance sheet debt, etc...

They can't just jack up income tax as they will be crucified , expect many many many many more such tax raising plans to come to fruition soon as the debt is getting so big its unbelievable.
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kiers
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PostPosted: 22:15 - 20 Jan 2009    Post subject: Reply with quote

Kickstart wrote:


Uninsured driving adds around £30 a year to every motorist's insurance premium - amounting to more than £400m a year in additional premiums. It is also estimated that uninsured and untraced drivers kill 160 people and injure 23,000 every year.


so do i get the choice to just pay my share of the £30 a year average (the average you pay because of things related to uninsured drivers)
and keep the car uninsured when off road

or do i have to pay ridiculous insurance costs. to potentially have a non running bike in bits all over the conservatory? why in that situation would i need to claim

somewhere in the thread it was mentiond that uninsured drivers make up 6% of the uks driving population, so why punish the other 94% ? this is affecting average joe far more than the effects of uninsured drivers

sounds like a right con :/


edit, keith was quoting something else there, thought id mention it.
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map
Mr Calendar



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PostPosted: 22:27 - 20 Jan 2009    Post subject: Reply with quote

Having gone away and thought about this fine for no insurance business I've come to the conclusion it's very lazy and really boils down to making money.

Let me think Thinking, what would be easier and cost less money...

1. Looking through the SORN database and comparing it with the insurance database and sending letters (bet they're worded as fines) to those that don't match

or

2. Putting resources out on the street to actually find vehicles that are actually been driven around without insurance and therefore may be a threat to other road users and/or used in criminal activities.

As said above, anyone who want to get away with this could. It just looks like those who do their best and stay within the law are going to be targeted yet again.

Insurance companies are going to be happy you might have to pay them money too. I guess they may have to create a new category (say just fire and theft) or allow you to add it to your home contents as third party doesn't make sense. Still, when did making sense mean anything to insurance companies when it comes to parting you with your money.


I've added this to the list of questions to be asked come the next election. First party to say it's wrong and will not be implemented buys my vote.

Thumbs Up
____________________
...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger? Very Happy


Last edited by map on 22:33 - 20 Jan 2009; edited 1 time in total
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