Police impounding vehicles with (alledgedly) no insurance?

[gmanxiii]

Reet my dads just told me he had one of his cars impounded this week because the police checked the car wasnt insured. However he has fully comp on another car which lets him drive any car 3rd party.

A colleague at work also had his car impounded before xmas, even though he was insured. Reason being hes got an unusual name and the "middle" was missing off the insurance certificate so didnt match his licence or something...

Both produced their papers but have been hit in the wallet by recovery and storage charges.

Just wondering how they can do this? Im all for getting uninsured drivers off the road and stuff but surely this is having a laugh?

It's done and dusted now but for future reference and other motorists, dunno but if the police have towed a car off in error is there anyway to get the charges back?
____________________
I kills hondas

VFR400NC30 > ZZR600 > CBR600FX > CBR1000rr

[JonB]

[10 pence Short]

What he said ^ ^ ^ ^ ^

If it's found to be fully insured you shouldn't incur any charges for the mistake. Should be able to claim for the charges.


There has got to be some margin for error because you can insure a car over the phone/internet and be covered straight away, it will take a while for it to be on the police insurance database.
____________________
I haven't had a cont all day, drinkstable.

[Johnny GSX-R]

Jon B is quite correct in what he says..

I have FC on my TVR but cannot drive my Discovery 3rd party, however, i can drive any other vehicle which is insured. I will have to insure it seperate or get a multi car policy.

[gmanxiii]

[Johnny GSX-R]

You've missed the point 'Gman'

EACH vehicle has to be insured on the database.

Example

I own a TVR which is insured F/Comp.... I also own a Discovery which is of the road un insured but registered to me. I cannot drive the Disco on my insurance BUT if my brother insured it 3rd party then my insurance would allow me to drive it 3rd party also even though I own it.......its because the Disco would have been insured.

The reason it is done like this is to stop people like your dad doing what he's done.

[Johnny GSX-R]

If i lent my Discovery to your dad knowing he had not insured it himself 'I' to would be prosecuted under the 'USE, CAUSE & PERMIT' laws because i have permitted him to drive it knowing its not insured.

[JonB]

Every car needs to be insured, before anybody else can touch it on their own policy, that's what I mean, there are no ifs or buts to quote a very well known advert.
____________________
Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[gmanxiii]

Ok cheers i see fair enough it was a misinterpretation and didnt know that all cars had to be insured on the database... Does seem abit daft due to the previous point i made about your own insurance policy taking the hit if you hit someone rather than the owners policy.

How about my colleagues situation then? He was genuinely insured?
____________________
I kills hondas

VFR400NC30 > ZZR600 > CBR600FX > CBR1000rr

[Johnny GSX-R]

Regarding your colleague, he should be reinbursed without question.

[gmanxiii]

Do you know by whom? i dont think hes followed it up as he wasnt sure where to go? They wasnt very helpful at the station...
____________________
I kills hondas

VFR400NC30 > ZZR600 > CBR600FX > CBR1000rr

[gmanxiii]

Also they didnt mention anything to my dad about prosecuting him, they just told him where he could pick his car up from... Should he be expecting anything in the post?
____________________
I kills hondas

VFR400NC30 > ZZR600 > CBR600FX > CBR1000rr

[Phoenix]

Now, on most policies it specifically states either on the policy statement or certificate or in the terms and conditions that in order to drive another vehicle third party only not owned by you, it must be insured by it's owner.

However, my current insurance policy simply says that I am insured to ride any bike not owned to me, nowhere on any of the paperwork anywhere does it say it has to be insured by it's owner.

[Itchy]

[Cigaro]

His insurance may very well cover him to drive any vehicle whether it's insured in itself or not - it all depends on the wording of the policy.

*However*, this insurance only applies while you're driving the car. So as soon as you park it up, the insurance doesn't apply, and the car is being kept on the road uninsured which is illegal (not sure why, think it's incase it kills some kittens whilst parked up).

[yambabe]

[Johnny GSX-R]

[thegubner]

[Walloper]

Oh thank heavens "the_guvnor_1_uk" of 'Community Thread Advisory Service' '@bcf' came to the rescue there. .......
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[thegubner]

You better know it!....And in response to your PM, yes I will shoot in your mouth while you are eating your frosties..............does that mean you will marry me?

[Walloper]

[Grav]

Will you two get a room FFS!


____________________
Dark Lord Of Custard

snigger.....

[thegubner]

Shaun and Robby could not afford me, I am a high class ho'. As your bank statements should tell you.

[Cigaro]

[yambabe]

Erm and I have not been paying attention and posted pretty much the same thing underneath TheBassJunky and you have agreed with me...........
____________________
Sod falling in love, I wanna fall in chocolate.