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Offence to not insure a vehicle

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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 12:35 - 07 Dec 2004    Post subject: Offence to not insure a vehicle Reply with quote

Hi

Check this:-

https://www.dft.gov.uk/stellent/groups/dft_rdsafety/documents/page/dft_rdsafety_033114.hcsp

Note this line

dft wrote:
We propose to introduce legislation making it an offence to be the registered keeper of a vehicle the use of which is not insured in accordance with section 143 of the Road Traffic Act 1988. Such an offence would not require the police to prove that the vehicle was in use on the road. Subject to certain exemptions, the possession of a vehicle without valid insurance would be an offence. Liability would rest with the keeper of the vehicle.


Basically it seems they want to make it an offence to own a vehicle which is not insured, whether it is on the road or not.

Seems to me yet another law that will penalise those who are doing nothing wrong but who are easily caught (eg, someone in the forces serving abroad who has a car that is not in use, currently already likely to be prosecuted over SORN), while totally missing those who do not have the vehicle registered in their name.

Closing date for responses is 25/02/2005.

All the best

Keith
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instigator
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PostPosted: 12:39 - 07 Dec 2004    Post subject: Reply with quote

Quiet possibly one os the stupidest ideas I've ever seen.

Are they pulling these ideas out of a hat? Shocked

Cheers for letting us know keith.
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Rob W
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PostPosted: 12:42 - 07 Dec 2004    Post subject: Reply with quote

Pretty soon it'll be illegal to use the roads even if you have insurance, Tax, MOT and a licence. Yet another pathetic idea Confused
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map
Mr Calendar



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PostPosted: 12:42 - 07 Dec 2004    Post subject: Reply with quote

Feel I have to ask in light of the thread when I asked 'Is it worth joining...' what is the BMF and MAG organisation response/view on this?

- please provide answer or link to the information, Thanks Thumbs Up
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dodsi
Dirty Carny



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PostPosted: 12:50 - 07 Dec 2004    Post subject: Reply with quote

Currently my speedfight is not insured so therefore it would be an offence to take it outside, clean and wax it and put it back in the garage,

it never gets taken on the road (except when NS-keith did Wink )

seems like a good money spinner for insurance companies too!
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Sparks!
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PostPosted: 12:57 - 07 Dec 2004    Post subject: Reply with quote

Oh great so we have to insure the old bike sat in the shed in boxes then just because the government say so Thumbs Down

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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 13:04 - 07 Dec 2004    Post subject: Reply with quote

Hi

They do propose exemptions for those which are declared SORN, but then the DVLA are well known for loosing SORN declarations. Also if you are out of the country for any length of time it is quite possible for the owner to not receive the SORN notice until too late.

Yet another piece of pointless bureaucracy.

No doubt once they worked out that this scheme cost them money the DVLA would want to collect another £5 off you for declaring that when you declare SORN you have no insurance. They are already proposing a charge for declaring SORN, as although it was meant to increase the tax take it is actually costing them money (which I personally think shows that the system is a failure and should be scrapped).

All the best

Keith
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mchaggis
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PostPosted: 13:18 - 07 Dec 2004    Post subject: Reply with quote

Kickstart wrote:
Hi
Yet another piece of pointless bureaucracy.

No doubt once they worked out that this scheme cost them money the DVLA would want to collect another £5 off you for declaring that when you declare SORN you have no insurance. They are already proposing a charge for declaring SORN, as although it was meant to increase the tax take it is actually costing them money (which I personally think shows that the system is a failure and should be scrapped).

All the best

Keith


You know this as well as everyone else does though, a government will rarely concede that something doesn't work, but will merely try and throw good money after bad to try and get it to work, for fear of losing face. They also only really seem incapable of generating more money by reducing benefits and pensions, and by increasing taxes. Cutting corruption and waste seems to be impossible for them to manage. Just increase the taxes, it's far easier than sorting ourselves out!

After all, who cares what motorcyclists think? Rolling Eyes


edit: I should really proofread this stuff before I submit.
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Last edited by mchaggis on 00:53 - 09 Dec 2004; edited 1 time in total
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map
Mr Calendar



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PostPosted: 13:20 - 07 Dec 2004    Post subject: Reply with quote

Looks like this will hit classic bike owners and collectors.
How would you go about just insuring a frame?
Wouldn't that be covered on your house insurance? (like a pushbike is)

This all looks silly and open to too much abuse.
I guess they'll just use the V5s to check, but judging by how many bikes are sold on the likes of eBay with the V5 missing this would be laughable.
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headlamp
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PostPosted: 13:26 - 07 Dec 2004    Post subject: Reply with quote

Another example of bureaucratic stupidity. They way to prevent uninsured drivers is to 'target' vehicles that have no insurance, check against cars that have SORN and inform local police. If the car is on the road then it should be confiscated and unless there are extenuating circumstances (like the driver/owner has Alzheimers or something), the vehicle should be destroyed and the driver fined in excess of £500. At the moment driving without insurance attracts fines of c. £100 plus points.
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TheShaggyDA
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PostPosted: 13:39 - 07 Dec 2004    Post subject: Reply with quote

Sounds like FUD.. :-

Quote:
There are a number of circumstances in which the registered keeper of a motor vehicle has no intention of driving or keeping the vehicle on the road and who therefore may assume that they have no need for insurance. Examples would include a vehicle that is off the road for repairs or restoration, or a vehicle which is laid up during the winter months. Providing that the keeper has made a Statutory Off Road Declaration (SORN) to the Driver and Vehicle Licensing Agency (DVLA), there would be no requirement for insurance to be in place.

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Mr Calendar



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PostPosted: 13:44 - 07 Dec 2004    Post subject: Reply with quote

TheShaggyDA wrote:
Sounds like FUD.. :-
Quote:
...Providing that the keeper has made a Statutory Off Road Declaration (SORN) to the Driver and Vehicle Licensing Agency (DVLA), there would be no requirement for insurance to be in place.
...so how does this tie in with the previous declaration to charge for each SORN declaration?
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Rob
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PostPosted: 14:09 - 07 Dec 2004    Post subject: Re: Offence to not insure a vehicle Reply with quote

dft wrote:
Such an offence would not require the police to prove that the vehicle was in use on the road.


That's the most worrying line. What happened to innocent until proved guilty?

How about fining all drivers and giving them 6 points because they are bound to break the speed limit at least twice when not caught by the police. That would make Mr Constabulary's life a lot easier!
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tintin
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Joined: 23 Jun 2004
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PostPosted: 15:11 - 07 Dec 2004    Post subject: Reply with quote

I would be happier to comply if I felt anything was really being done about uninsured vehicles.

Why can't they issue an 'insurance disc' similar to a tax disc which needs to be displayed at all times, at least this would make targeting uninsured drivers easier.
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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 15:47 - 07 Dec 2004    Post subject: Reply with quote

Hi

An insurance disk is a reasonable idea. Could also have an MOT disk and then get rid of the tax disk.

For insurance I would be more tempted with the idea of including the cost of 3rd party injury cover in the cost of petrol, with any damage cover being down to the individual and optional. This would really force the insurance industry to compete with novel policies, as at the end of the day you could just not have insurance.

They have plenty of ANPR set ups and can quite happily pull over those driving without insurance on the spot. They would rather (it seems) go for the cheap solution of sending people fines through the post, lumping together those who have done nothing wrong except failed to follow some bureaucratic rules to the letter, with those who have deliberately broken rather more important laws, while forgetting that the ones that they really do need to be catching are also the ones who will not have the vehicle registered in their name so are not traceable from the registration number.

All the best

Keith
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map
Mr Calendar



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PostPosted: 15:48 - 07 Dec 2004    Post subject: Reply with quote

tintin wrote:
I would be happier to comply if I felt anything was really being done about uninsured vehicles....

Agree Thumbs Up
If we're all part of the EU can't we borrow some ideas?
I'm willing to be proved wrong but I think Germany require a sticker on the rear number plate to validate the insurance (if not insurance it may be their equivalent of the MOT, maybe both!). That way the police check as they drive behind before deciding to pull you over!

- silly me Embarassed, traffic cops are being phased out in favour of cameras aren't they Rolling Eyes
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Sadie
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PostPosted: 16:14 - 07 Dec 2004    Post subject: Reply with quote

map wrote:
Feel I have to ask in light of the thread when I asked 'Is it worth joining...' what is the BMF and MAG organisation response/view on this?

- please provide answer or link to the information, Thanks Thumbs Up


Hi Map

Sorry about the delay in replying to this, I wasn't watching this thread. Anyhow, here is the BMF position, as relayed to me today by Trevor Magner, the BMF Senior Government Relations Executive:

Quote:
Liz,

This hasn't been formally discussed, but our view on the proposal related to paying an annual fee to SORN a vehicle was that we were totally opposed to it. The SORN fee was proposed as only £2.50 to £4.50, with insurance likely to be considerably more.

There is also the implication that without VED or MOT, a vehicle would be deemed not to be insured. So I think we can safely say that we are totally opposed to such a proposal and will say so in no uncertain terms.


Hope that helps!
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Rhino
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PostPosted: 16:28 - 07 Dec 2004    Post subject: Reply with quote

Kickstart wrote:

An insurance disk is a reasonable idea. Could also have an MOT disk and then get rid of the tax disk.


I was under the impression you needed an MOT and insurance certificates to get a tax disk? Confused
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flat spot
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PostPosted: 16:28 - 07 Dec 2004    Post subject: Reply with quote

Don't forget the govenment also takes a small percentage in tax from insurance now. So, they make it law to insure all vehicals whether in use or not and they get a fee for free thanks very much.
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Kickstart
The Oracle



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PostPosted: 16:41 - 07 Dec 2004    Post subject: Reply with quote

Rhino wrote:
I was under the impression you needed an MOT and insurance certificates to get a tax disk? Confused


You do, as well as a large monetary donation to the DVLA.

However it is quite possible to take out insurance on 2nd of January 2004, cancel it a few days later once you have the certificate (which gets "lost" in the post when you "return" it), and then use this certificate on the 1st of January 2005 to tax a vehicle until the end of 2005. Or put more simply, with sufficient forward planning you could have a bike with an in date tax disk which has not been insured for almost 2 years. Not quite the same applies to an MOT, but if the MOT runs out on the 2nd of January you can still quite legitimatly use it to obtain a years tax on the 1st of January (and I have once taxed a bike on the day the MOT ran out).

Basically the tax disk can easily be barely related to the insurance and MOT status of the vehicle.

Personally I just think the road tax is a very crude and inefficient way of collecting tax, and I would prefer it was removed (totally removed, otherwise if it was just changed to a £5 registration fee then it would soon spiral out of control again) and just be replaced with a small amount extra on petrol (which you cannot really avoid paying).

All the best

Keith
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hugo-a-gogo
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Joined: 13 Feb 2004
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PostPosted: 16:42 - 07 Dec 2004    Post subject: Reply with quote

map wrote:
I'm willing to be proved wrong but I think Germany require a sticker on the rear number plate to validate the insurance


nah, not quite

when you register a vehicle you must be registered yourself at your address, must show a ID card or passport, a form from your insurance company and a tüv test certificate (and emissions cert where applicable) You then get a plate stamped up, and the registering office applies their official sticker and one for the tüv (mot equivalent) if you subsequently stop paying insurance or don't fill in the details for the insurance company etc, they write to the local vehicle registering place and declare that the vehicle is now illegal, so it will flag up on police computers. I think I'm right in saying the insurance company is still responsible for 'uninsured losses' or damage caused by that vehicle
if you sell a vehicle without de-registering it and handing in the plates, you are still responsible for the vehicle

basically that system only works with a (theoretically) foolproof ID system and registering where you live

edit: and a tax bill is sent to you every year, based on engine size and emissions
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Robin
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PostPosted: 13:41 - 08 Dec 2004    Post subject: Reply with quote

map wrote:
Feel I have to ask in light of the thread when I asked 'Is it worth joining...' what is the BMF and MAG organisation response/view on this?

- please provide answer or link to the information, Thanks Thumbs Up


MAG are busy putting together a comprehensive response to this as we speak.

I had sight of the draft response this morning and basically they are not in favour of this proposal at all, much along the same lines as opposing the proposal to charge for SORN etc.

Will post more details of MAGs response when it is completed.
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 13:49 - 08 Dec 2004    Post subject: Reply with quote

Rhino wrote:
I was under the impression you needed an MOT and insurance certificates to get a tax disk? Confused

Yup you do need to be able to show the old biddy in the post officean MOT and an insurance certificate, however she's not very on the ball. I've used a home made insurance certificate to get a tax disc before, print out of a simple document in Word and it worked without any problems. Only did this because my insurance sent the paperwork through to me with a typo on it and I was wanting to get a tax disc then so I just used all my details from my insurance just without the typo and on a home made certificate.

Not worth (well probably not) trying to fool a cop with a home made insurance cert. as if they caught you you'd be well fucked and it's far more likely tha a cop will notice something slightly wrong with your paperwork and check up on it than the old biddy in the post office is.
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paulyzf600
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PostPosted: 02:53 - 09 Dec 2004    Post subject: Reply with quote

The thing is it does'nt change a sodding thing what so ever. I swear our government is actually the london zoo monkeys cos it seems there idea's get wilder and wilder!

There are many things to be said but I just can't be bothered to say.
So long as the DVLA get their fingers out of each others arses and log the info properly it might work (even if it makes completely no difference). I have a car in the garage which is SORN declared and so long as the DVLA remember it it's fine!
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