New Insurance Law for Motor Vehicles now in force

26th August 2011
New Insurance Law for Motor Vehicles now in force image

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 daven.naghen@maplessolicitors.com or Anita Toal anita.toal@maplessolicitors.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 daven.naghen@maplessolicitors.com or ring the office on 01775 722261.


How Banks are Cashing in on Wills image

How Banks are Cashing in on Wills

Recent headlines have reported how banks are now cashing in on Wills.

During the 1990s and early 2000s, banks offered customers low cost Wills (or sometimes even free Wills) but the small print allowed the bank to charge extortionate rates to act as Executors. It is reported that banks are expecting billions of pounds of revenue from their Will writing services and administering estates and in some cases their fees have been over £12,000 to administer an estate as they look to charge a fixed fee PLUS a percentage of the deceased’s wealth.

If you or a loved one has made a Will through a bank we would urge you to check who you have appointed as Executors and check any small print which you may have signed. If you are unsure then please speak with one of our lawyers in the Wills and Probate team who can look at your existing Will with you. It may be appropriate to make a new Will which revokes any previous Will you have made which could save your family thousands of pounds when your estate needs to be administered.

In the majority of cases, when someone has passed away we can provide the family with a quote of how much the legal fees will be so that there are no nasty surprises once the administration is complete.

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Gemma Mayer LLB

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Anita Toal LLB BA

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Daven Naghen LLB

"Daven provided an excellent service, from attending the first interview with me to the final court appearance. He filled me full of confidence that he would defend me to which he did and come out with an excellent outcome in view of my position that I had put myself in."

Faye Blair LLB

Faye was excellent, sensitive and acted very well to the time constraints we faced. Great service and dealt with compassion at such sad times made the process less painful very professional.

Jamie Dobbs ACILEx

Over the last forty years I have cause to deal with many law firms both in a personal and professional capacity, including some ‘top’ London Companies. In all of those dealings I have never found anyone as proactive and so willing to offer help and advice as Jamie Dobbs. During the last two years Jamie guided my parents through the completion of Lasting Powers of Attorney. Helped myself with the use of the LPA and recently dealing with Probate and Estate Administration following their death.

Mike Pepper MA

Mike Pepper gave us excellent advice. He was always most helpful and accommodating giving lucid explanations every step of the way. Thank you Mike.

Claire Smith FCILEx

Claire Smith has been amazing in every way. I highly recommend her and I am so grateful for all her help. She’s professional on all levels, reliable, extremely organised and I will be recommending her to everyone. I’m very lucky to have had her representing me and I can’t thank her enough. She is an asset to Maples. Thanks so much Claire!