New Insurance Law for Motor Vehicles now in force
It has long since been an offence to use a motor vehicle on a road or public place with no third party insurance in force. In this situation drivers can expect to receive a minimum of 6 penalty points upon their licence and could be disqualified from driving for the offence all of which in addition to a fine.
The Continuous Insurance Enforcement Scheme is now in force and it is now an offence to be the Registered Keeper of a vehicle which is not insured. Think that this will not affect you, then read on.
Whilst the ultimate objective is to prevent people driving without insurance and it is clearly easier to enforce as there is no need to catch the driver in the act of driving, a number of people could still fall foul of this provision.
Own a motorbike or classic car which you only use in summer and you must now either be insured all year round or make a Statutory Off Road Notification (SORN) for the period that it is off the road.
Similarly if you own a car that you are repairing or modifying you cannot just cancel the insurance for the period that it would be off the road without making a SORN.
Who else could suffer? A divorcing couple for example where one party is the registered keeper but the other party is the one who uses the car in this instance the registered keeper may not even know that the insurance has not been kept in force.
Fortunately the penalties do not include penalty points but could include a fixed penalty fine, having the vehicle clamped, impounded or destroyed and possible court appearance and fine.
Registered keepers should however be aware that there is an offence of permitting the use of a vehicle with no insurance which carries the same penalties as the use of vehicle with no insurance including the imposition of penalty points or disqualification.
Should you be charged or summonsed with an offence involving no insurance and require representation or advice please contact Daven Naghen firstname.lastname@example.org or Anita Toal email@example.com or ring the office on 01775 722261.
If you have been hit by an uninsured driver you may still be able to claim compensation through the Motor Insurers Bureau. If you require any assistance in this regard please contact Daven Naghen firstname.lastname@example.org or ring the office on 01775 722261.